citibank cli questions

[Anonymous]

I'm NOT applying for a cli already but Its one of the many many options available to me with my citi professional card. after the usual employer/earnings category there is a second category where they want primary bank savings/checking account number and phone number of bank. All that to make a request for a CLI? I've never had anyone else ask me for this information. what are they checking for?

[Anonymous]

ya, what's up w/that? why did they need my banking info when i rqstd a cli?

[Anonymous]

Yeah, I got the same thing when I requested a CLI on DFiancee's Citi/Sears MC.  I also wondered why they needed all that just for a CLI.  But then she got the CLI and I forgot all about it.

[Anonymous]

I believe it is in case of late payments/no payments.  They ask me it when I call in for CLI, of cause they ask your annual income.

[Anonymous]

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bunnyrabbit wrote:

I believe it is in case of late payments/no payments.  They ask me it when I call in for CLI, of cause they ask your annual income.

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Well, even with late payments or no payments they can't just take your money.  There's a process for all that, and they'd need a judgment first.

Unless they're just collecting that info in order to pass it on to a CA just in case your account eventually ends up going to one.  I can't imagine they'd do that though.

[Anonymous]

Hi cheddar,

How about this ....  Do they will trust you more if you have money in the bank accounts and give you the increase what you want?

[Anonymous]

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bunnyrabbit wrote:

Hi cheddar,

How about this ....  Do they will trust you more if you have money in the bank accounts and give you the increase what you want?

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Now that's an interesting question.  I wonder if they're actually using your banking info to check your current bank account balance in order to decide whether to grant CLI.

[Anonymous]

I wondered not if they could check your balance but inquire about types/amounts of deposits you were making.

[Anonymous]

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D_Boone wrote:

I wondered not if they could check your balance but inquire about types/amounts of deposits you were making.

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If that's what they're doing, that's messed up.

I can't get behind that at all.

[Red1Blue]

It is pretty common for citi to do this for biz accounts. I have 14 accounts for biz and cards issued by citi, macy's, sears, bloomingdale they require me to provide the biz bank account / bank phone number. I am not sure about personal accounts as I dont have a personal account with citi.