About Time Citi, CLI from 1k to 2.3k

Discuss the Visa & MasterCard payment networks as well as cards that operate through them.
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popamode72
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About Time Citi, CLI from 1k to 2.3k

Postby popamode72 » Thu Oct 09, 2014 6:24 pm

Got bored, tried my hand at the credit line increase button again with Citi and I was shocked to see that they actually increased my limit by 1300. I never thought I'd be able to ever get an increase with them but they surprised me. Good job, Citi. I no longer hate you anymore and I might actually use your card again.

Here's the screen that popped up.

Image
Macy's TLs (21k), Lowes (17k), CSP (10k), Sam's Club (10k), Nordstrom (5k), AARP (4.2k), Freedom (3k), Discover (1.5k), Quicksilver (2k), BoA (3k), Barclaycard Arrival (2.5k), Amazon Store (6k), Paypal (4.9k), Sam's Club MC (3.6k), Walmart MC (1.2k)


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PlyrStar93
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Postby PlyrStar93 » Thu Oct 09, 2014 6:48 pm

Great and congratulations, 6 months later you will be able to do this again, without having to pull credit.

The only problem that could prevent you from using the card is still the reward structure and benefit, though. The cell phone protection is about to be cancelled, with longer (improved) extended warranty and others.
Citi Forward Visa $5000 10/2012 | American Express Blue Cash Everyday $8000 2/2014 | Discover it $7000 5/2014
Chase Freedom Visa Signature $7000 6/2014 | Citi ThankYou Premier Visa Signature $5000 1/2015
All EMV.

popamode72
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Postby popamode72 » Thu Oct 09, 2014 6:49 pm

PlyrStar93 wrote:Great, 6 months later you will be able to do this again, without having to pull credit.

The only problem that could prevent you from using the card is still the reward structure and benefit, though. The cell phone protection is about to be cancelled, with longer extended warranty and others.


So true. I'm hoping Citi becomes a lot more lax on PCs for this card in the next six months but I guess for now, it will serve as another good utilization buffer.

Now Discover has truly become the most conservative lender I have a card with because even Citi was able to let loose eventually. Wow.
Macy's TLs (21k), Lowes (17k), CSP (10k), Sam's Club (10k), Nordstrom (5k), AARP (4.2k), Freedom (3k), Discover (1.5k), Quicksilver (2k), BoA (3k), Barclaycard Arrival (2.5k), Amazon Store (6k), Paypal (4.9k), Sam's Club MC (3.6k), Walmart MC (1.2k)

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PlyrStar93
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Postby PlyrStar93 » Thu Oct 09, 2014 7:01 pm

popamode72 wrote:So true. I'm hoping Citi becomes a lot more lax on PCs for this card in the next six months but I guess for now, it will serve as another good utilization buffer.

Actually from what I have seen, yeah, some people over FICO said they tried PC to double cash but no dice; another thread says Citi will PC Forward into ThankYou Preferred while another reply was Citi's customer service ensured that won't happen and Forward will be kept. There's been so much mysteries about this card, and even if you ask CSR you may get conflicting answers.

popamode72 wrote:Now Discover has truly become the most conservative lender I have a card with because even Citi was able to let loose eventually. Wow.

Let me hope Discover stops being conservative one time. From several recent posts here I have learned many people doing a lot of swipes are granted CLI's easily. Since this month I have started using my Discover pretty much on anything that is not restaurant and I do want to see what will happen.

Back in the end of September I was denied of a CLI request due to not enough time, even when I saw others getting CLI with length of account shorter than mine. I mean never mind, but I can try again since I make sure there is no credit pull so nothing hurts. If no chance then I might welcome him to the "glorious" sockdrawer.
Citi Forward Visa $5000 10/2012 | American Express Blue Cash Everyday $8000 2/2014 | Discover it $7000 5/2014
Chase Freedom Visa Signature $7000 6/2014 | Citi ThankYou Premier Visa Signature $5000 1/2015
All EMV.

popamode72
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Postby popamode72 » Thu Oct 09, 2014 7:08 pm

PlyrStar93 wrote:Actually from what I have seen, yeah, some people over FICO said they tried PC to double cash but no dice; another thread says Citi will PC Forward into ThankYou Preferred while another reply was Citi's customer service ensured that won't happen and Forward will be kept. There's been so much mysteries about this card, and even if you ask CSR you may get conflicting answers.


Let me hope Discover stops being conservative one time. From several recent posts here I have learned many people doing a lot of swipes are granted CLI's easily. Since this month I have started using my Discover pretty much on anything that is not restaurant and I do want to see what will happen.

Back in the end of September I was denied of a CLI request due to not enough time, even when I saw others getting CLI with length of account shorter than mine. I mean never mind, but I can try again since I make sure there is no credit pull so nothing hurts. If no chance then I might welcome him to the "glorious" sockdrawer.


I've been using my Discover card a lot more lately too. Some people here have even reported that when they stopped using the card completely for a while, they were able to get auto CLIs. It's so strange to me how both Citi and CapOne managed to grow like they did but not Discover thus far and my card with them is about 6 months now.
Macy's TLs (21k), Lowes (17k), CSP (10k), Sam's Club (10k), Nordstrom (5k), AARP (4.2k), Freedom (3k), Discover (1.5k), Quicksilver (2k), BoA (3k), Barclaycard Arrival (2.5k), Amazon Store (6k), Paypal (4.9k), Sam's Club MC (3.6k), Walmart MC (1.2k)

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CarefulBuilder14
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Postby CarefulBuilder14 » Thu Oct 09, 2014 7:18 pm

Congrats!

If I understand correctly, Citi will allow small CLIs with soft pulls or based on an internal score, but if you request a big CLI or request a small one within 6 months of the last request, they do a hard pull?
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when

popamode72
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Postby popamode72 » Thu Oct 09, 2014 7:23 pm

CarefulBuilder14 wrote:Congrats!

If I understand correctly, Citi will allow small CLIs with soft pulls or based on an internal score, but if you request a big CLI or request a small one within 6 months of the last request, they do a hard pull?


I think so. Not everyone gets to have that SP option right away but it does show up from time to time. The older your account, the greater the chance you're gonna be able to see that button.
Macy's TLs (21k), Lowes (17k), CSP (10k), Sam's Club (10k), Nordstrom (5k), AARP (4.2k), Freedom (3k), Discover (1.5k), Quicksilver (2k), BoA (3k), Barclaycard Arrival (2.5k), Amazon Store (6k), Paypal (4.9k), Sam's Club MC (3.6k), Walmart MC (1.2k)

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PlyrStar93
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Postby PlyrStar93 » Thu Oct 09, 2014 7:40 pm

CarefulBuilder14 wrote:If I understand correctly, Citi will allow small CLIs with soft pulls or based on an internal score, but if you request a big CLI or request a small one within 6 months of the last request, they do a hard pull?

I think it's about that. I just suppose Citi provides a small benefit that allows you to CLI without hard inquiry but don't think about getting a significant one--this is like "see you can try an increase without a pull, so just be satisfied with it--there's no pull!"

And yes if you request a bigger one it's usually after the soft-pull CLI when they ask if you want more. At that time they clearly state they will pull credit.

For any other CLI within 6 months I have no idea, as I have tried one but get straight denied because they said in the letter that they do not allow "limit change" within 6 months of previous change. There might be a method to CLI within 6 months of previous one, but I have no experience.

popamode72 wrote:ISome people here have even reported that when they stopped using the card completely for a while, they were able to get auto CLIs.

This is what I have heard prior to coming to this forum, as well as after, of course. But anyway when it comes to sockdrawer there will still be some months for me to observe if they automatically grant CLI's.

Also it can really depend on different people and there are others using a lot/stop using the card and get no increase. Well, just wish luck on an increase.
----
And btw I roughly summarized three theories about how to get CLI:
Theory 1: Use the card on a lot of swipes, whether large or small, just the number of swipes matter. Doesn't matter if you pay your balance down before statement cut.

Theory 2: Sockdrawer the card. This may trigger a tiny CLI.

Theory 3: Discover likes you to carry balances, so don't pay in full, just carry a balance over to next statement and that may trigger CLI.

The underwriting for Discover's CLI is really something only Discover knows, and the above are just speculation, when someone does a thing and get increase, they will just make posts. Who knows if Discover really do it like that.
Citi Forward Visa $5000 10/2012 | American Express Blue Cash Everyday $8000 2/2014 | Discover it $7000 5/2014
Chase Freedom Visa Signature $7000 6/2014 | Citi ThankYou Premier Visa Signature $5000 1/2015
All EMV.

popamode72
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Postby popamode72 » Thu Oct 09, 2014 7:55 pm

I don't think anyone has fully figured out Discover and why they tend to be like this. The most plausible theory I've heard so far is that they're more likely to be generous with people that don't have many other cards from other lenders and they love usage and all of that.
Macy's TLs (21k), Lowes (17k), CSP (10k), Sam's Club (10k), Nordstrom (5k), AARP (4.2k), Freedom (3k), Discover (1.5k), Quicksilver (2k), BoA (3k), Barclaycard Arrival (2.5k), Amazon Store (6k), Paypal (4.9k), Sam's Club MC (3.6k), Walmart MC (1.2k)



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