Whats your Experience with Citi DC CLI?

[The-Credit-Disciple]

Do they give you an Auto CLI at 6 months, 9 months or 12 months. Thanks Fico Family

[Kforce]

My Citi DC started with a low CL for my income, and profile.  At about 1 year I got an auto CLI and from that point in time my web interface always shows a SP love button.  If you ask for a SP increase and receive one, a 6 month clock starts and even if it shows a SP love button every month, you are locked out of an increase for 6 months. (The wb page love button does not mean your time has passed or that you have an offer.)   I have received an increase every 6-9 months (love button), none of them anything to write home about.  At three years I hit 20k and my BW started me at 20k.   I use the card a little but always pay it down before the statement.   I believe users that let more report on the statements, get larger CL's and some report success every 6 months.

[The-Credit-Disciple]

Thanks for the detailed information its very appreciated😀

[Anonymous]

SL $7300 for me.  At 6 months I went for a HP CLI as opposed to a SP CLI in hopes that I'd get a monster increase.  I requested $35k and only ended up with a $5k CLI to $12,300.  If I could go back I would have just went with a SP CLI and probably gotten $3k-$4k, maybe even the $5k that the HP got me.  It was a waste of a HP.  My theory as to why it wasn't more significant was that this was my only Citi account, so I literally only had 6 months of Citi history.  6 months later, I went for a SP CLI and got $7k bringing me to $19,300.  So, more from the SP CLI at 1 year than the HP CLI at 6 months.  Why?  My opinion here is that history matters and Citi was more comfortable giving me more when I was at 1+ year rather than just 6 months.  I'm 3 months away from my next CLI opportunity and will rock out another SP and see what they give me.  Hopefully I get another $5k-$7k, as that would put the account in a pretty solid place.

[Anonymous]

Never received auto CLI. Only received increases when asking. Asked ususally once year. Started around 4k in 2014ish now I am at 10k. Last one was in May and was 2k.

[dsotm76]

Forgive my lack of knowledge with the Citi DC, but how do you know what will be a HP and a SP?  I started in Dec (I think) with an SL of $3100 and currently they are reporting my FICO with them at 795.  I'd really like to see some growth out of this limit, especially since I use it quite a bit and always PIF.  I just don't want the HP.  :-/  

Any help is appreciated!  Thank you in advance!

[Anonymous]

Go to credit line increase when logged into your account.  If you see, "It's easy to find out if you qualify for a credit limit increase. A credit bureau report will not be requested and you will receive an instant decision" it means that your request will not result in a HP. 

[AverageJoesCredit]

I cant get sp luv if my name was Cormier

Limit is decent for my income but it would be nice to get 1 sp cli lol.

[Anonymous]

I can't remember if length of time since your last Citi CLI has any bearing on SP language being present? 

[K-in-Boston]

---

@Anonymous wrote:

I can't remember if length of time since your last Citi CLI has any bearing on SP language being present? 

---

None whatsoever.  The SP language never goes away from my cards, but if I try them before the 6-month mark, I get the letter that states they were unable to grant a credit line increase because their records show that the card has received a credit line increase in the past six months.  I've only seen the HP language on brand new cards for the first 2 months or so after opening the accounts.  For comparison, here are some screenshots of the SP language and the HP language.