Maximum CitiBank Credit Extended Limit?

[nccarguy1]

Added the Strata Elite card in September (3rd Citi card).  Got an odd SL that just happened to equal $99,900 TCL.  I'll ask for CLI in 3 months. 

[SFLSpotter9210]

@cashorcharge I'm sitting at 63k. And I don't think I've reached my max yet. Waiting to try for another CLI in 3 months time. I will report back. I have 2 cards that I use regularly. 

[cashorcharge]

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@SFLSpotter9210 wrote:

@cashorcharge I'm sitting at 63k. And I don't think I've reached my max yet. Waiting to try for another CLI in 3 months time. I will report back. I have 2 cards that I use regularly. 

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So you've got about $37K more to go before you hit the supposed $100K wall.

[JTDAVID]

I have an update to my situation as it relates to my Citibank cards and total overall credit limit.  As I posted previously, my cards with Citi were as follows:

42k - Mileup

50k - Mileup

17k - Strata Premier

109k - total personal limits at Citi

Also have a Citibusiness AA card I opened in October - $16k limit

I submitted an application for the Citi Strata Elite product and had to talk to someone in processing.  They gave me two options:

1. Approve a new Strata Elite with only a $5k limit; or

2. Reduce my $50k Mileup card limit by $32,500k  (to $17,500) and open the new Strata Elite with a $37,500 limit.

I asked if I could move a different amount or from another card and was told no.

I selected option 2, so my cards are as follows:

42k - Mileup

17.5k - Mileup (will likely be closing)

17k - Strata Premier (will likely be converting this to a Doublecash)

37.5k - Strata Elite

114k - total personal limits at Citi

Also have a Citibusiness AA card I opened in October - $16k limit

Just thought @Aim_High and others in this thread might find this interesting.

[Aim_High]

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@JTDAVID wrote:

114k - total personal limits at Citi

Also have a Citibusiness AA card I opened in October - $16k limit

Just thought @Aim_High and others in this thread might find this interesting.

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Thanks @JTDAVID. 

So here's another theory.  Interesting that JTDAVID reached an exact cap personal/business of $125K, so perhaps that is CITI's total lending limit, barring restrictions on income.  And perhaps with significant CITI investments and/or high spend, they might waive that on a case-by-case basis.  My other theory still stands, though, that the latest cap for new credit increases is closer to the $99.9K cap since it seems several lenders tend to limit their liability to around that level.  But that existing clients who exceed that might be grandfathered-in and allowed to keep their limits.