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.