How to increase Citi credit card limit?

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Joined: Sun Oct 21, 2012 1:45 pm
Location: Michigan

How to increase Citi credit card limit?

Postby stevenlogan27 » Sun Oct 21, 2012 3:59 pm

Basic information about me is I am a 22 year old college student here in Michigan, and I have a credit score of about 600 (anyone with where I can get help with my credit score?).

I have had the same citicard credit card for almost 4 years, I have never missed a payment, and my credit limit has continue to be $500.

I asked last year for an increase, and was denied. I want to ask again, but is it normal to be at the same limit for 4 years? I was hoping to maybe have an increase of $1000. I honestly don't even like this card, but I can't get another credit card (I want one with my bank, Bank of America, but was denied).

Anyone with a good suggestion for a credit card for people with a score of 600? Thanks for the help.

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Postby paparoach429 » Tue Oct 23, 2012 2:38 am

Im guessing you havent used that card wisely for those 4 years? Not to sound hard but 600 is pretty low. I thought mine was low with all the over using i was doing with my citi forward card for like 6 months and my credit score was 684. What card do you have with them?

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Postby JNK » Tue Oct 23, 2012 2:57 am

Citi is one of the companies - American Express being the other - who, in my personal experience - have adjusted credit limits (and APRs) all on their own and without any input or queries from me.

If your credit utilization on the card is high (meaning, you spend a lot on the card and going past 30% of the limit you're given), if you are unemployed or part-time employed, if you keep carrying balances on the card and never 0 it out...

Those are all potential reasons Citi might be denying you the CLI.

I have a business card with AMEX and owing to my business, I've had some swells and dips in my finances (and my card saw a period of higher utilization and lower payments which were still way over minimum but not always in full) and during a tighter period, I asked them for a CLI on my business account... and it was denied owing to the higher credit utilization they were seeing. Ironically - or maybe not so - my PERSONAL account with them increased in CLI and I have to wonder if it's because my personal credit report was faring better than my business one. Thing is, once I paid down the balance on the card, without me asking, I was suddenly was granted a CLI.

So long story short; a couple of things can affect whether or not a company decides to give you the CLI or not and depending on the reason, they may or may not decide to give it even after talking with them.
Personal Collection:

AMEX: Everyday (MR), Macy's (cobranded)
MASTER: Citibank Dividend Platinum Select (non-World version)
VISA: Chase Amazon Signature, Chase (bank issued)
GE: Care Credit (medical expenses), Macy's (store), JCP (store)

Business Collection:

AMEX: Costco True Earnings
VISA: Chase Ink Cash

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How to ask for credit limit increase from Citibank?

Postby VisaSpeak » Mon Jan 14, 2013 1:34 pm

I have a Citi Forward card. Had it for 6 months. Always pay my bill on time and in full. Card has zero balance on it. How do I get my limit raised?

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