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Citi automatically CLI, score?

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Citi automatically CLI, score?

I just got a email from my citi bank card that they automatically increased my limit by 1000. I didn’t ask for it . I keep my cards at AZEO at 7% . Will the CLI help or drop my scores?
Message 1 of 5
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Regular Contributor

Re: Citi automatically CLI, score?

It will help by lowering your overall utli. but cant speculate how much, it will be dependent on your profile.

Message 2 of 5
Frequent Contributor

Re: Citi automatically CLI, score?

Every month you should still do azeo at 7% or less,In the Fico scoring model overall cc utilization has no memory so do the same every month.Be sure to show activity on all your cc's.Actually you only have to do azeo method before any apps to increase credit score.So maybe you can rotate different cc's and show a balance or let them all report a balance and do azeo method before any apps.Increasing cc credit limit will lower your Fico score as your overall cc utilization increases depending on how much you charge compaired to your overall credit limits.The worst case scenario is when you max out all of your cc's and you used up all of your available credit limits and that's what's reported to your cr's.

Message 3 of 5
Established Contributor

Re: Citi automatically CLI, score?

It is 100% positive as far as mathematical models. The only risk is if the credit card holder felt like they had $1000 to splurge. But if you continue using the card in exactly the same way, this is purely a benefit in terms of credit score. Depending on your profile, the benefit may be so small it isn't visible or it may be worth a few points. It is not a big deal but it is positive.


FICO 8 scores are deceptively high. My profile is young with a lot of new accounts and even more inquiries from 2019. The Barclay AU card is not on TransUnion; and, Equifax has some old positive accounts from 2011 that are not on the other two. That is the reason for the variation in scores. No derogs. Over 5/24 until fall 2021.
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Authorized user / Corporate / Auto loan

Closed but still on reports: ExxonMobil, $950, 10/08-02/11 (Equifax only) | Citi secured, $200, 045/19-09/19 | Capital One secured, $300, 04/19-08/19 | My Jewelers Club, $5,000, 05/19-08/19 | Green Dot Primor, $300, 05/19-08/19 | Self Lender secured $500 loan, 04/19-01/20 | Unsecured personal loan from Coastal, $1,000, 06/19-08/19.

Goals: Late 2020 - Ducks Unlimited card; scores in high 700s with inquiries aging. Long-term goal - Prime rate mortgage; able to qualify for most standard credit products.
Message 4 of 5
Super Contributor

Re: Citi automatically CLI, score?


@Vinnyb0116 wrote:
I just got a email from my citi bank card that they automatically increased my limit by 1000. I didn’t ask for it . I keep my cards at AZEO at 7% . Will the CLI help or drop my scores?

Depends on what the total CL amounts you have. If your sticking at 7% and the $1000 CLI drops you to 6%. No real loss/gain. It will show future creditors you can handle higher CL's in the future.





My posts are JMHO. My siggy is not to brag at all. Just sharing my experiences after learning here from rebuild to recovery after BK DC @ 540's. And to show fellow members what can be accomplished when you do it right and play the FICO Credit Game.
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