Citi Double Cash Limit

Discuss the Visa & MasterCard payment networks as well as cards that operate through them.
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GoCreditGo!
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Citi Double Cash Limit

Postby GoCreditGo! » Fri Aug 14, 2015 2:23 pm

I am having an issue with my card. They won't increase my limit on the card, even after I dropped all my BOA limits down a total of 20k. Rational, the 2% cash back is better than the 1% I get on the BOA cards. Any idea on what to do to increase my limit? I am basically maxing out my $1600 limit twice a month and paying it off completely in hopes that someone there will flag it for an automatic increase. Do they do that?


Vermonster
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Re: Citi Double Cash Limit

Postby Vermonster » Fri Aug 14, 2015 7:43 pm

Have you tried the soft pull increase?
Chase Freedom $9k~~Chase Sapphire Preferred $6.5k~~Amex Blue Cash Preferred $12.4k~~Citi Double Cash $4.7k

CC Deville
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Re: Citi Double Cash Limit

Postby CC Deville » Fri Aug 14, 2015 7:44 pm

How old is the account? What is your overall debt to credit ratio (how much you owe compared to all available revolving credit)? Experian FICO? Income? What is/are the reason(s) that they give you for declining the credit line increase?

I have not heard much about Citibank auto CLI's so maybe someone else can chime in. But a lot of banks will give one auto CLI within the first 12 months that the account was opened. This is not guaranteed but an observation I have made so YMMV. Otherwise, every 6 months you should be able to go online and request a CLI from online account management. They always gave me increases when I asked, $1K-$1.5K usually. Usage, decent income and low debt help I am sure.

GoCreditGo!
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Re: Citi Double Cash Limit

Postby GoCreditGo! » Fri Aug 14, 2015 9:56 pm

Vermonster wrote:Have you tried the soft pull increase?




I have tried. Failed miserably.

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CarefulBuilder14
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Re: Citi Double Cash Limit

Postby CarefulBuilder14 » Fri Aug 14, 2015 10:27 pm

A lot of people have reported getting comparatively low limits on Double Cash. I don't know why that is, but I wouldn't decrease your other CLs with other issuers any further and expect it to improve DC's CL.
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GoCreditGo!
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Re: Citi Double Cash Limit

Postby GoCreditGo! » Fri Aug 14, 2015 11:23 pm

CarefulBuilder14 wrote:A lot of people have reported getting comparatively low limits on Double Cash. I don't know why that is, but I wouldn't decrease your other CLs with other issuers any further and expect it to improve DC's CL.



Good to know I'm not the only one.



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