I just got approved the end of July for Citi card. They told me the same story about waiting 6 mths. It all depend on what rep you talk too. I called rep and converted my card to Citi Dividend and ask about CLI and the guy was so nice...He suggested to try for 3,500 since I had 1,200. He told me to call back in an hour so the credit dept could make a decision. I called back later and they said that I was approved. The strange thing is my EQ was 648 when I got approved...but when I applied for increase it was probably 40 points lower due to UTL. I think what helpled me is I paid a big $650 payment on the account...even though I charged it right back up. I am paying another big payment and trying to get the CL at $5,000...then I might stop for a while.