Citi Credit Limit Increase Policy

Discuss the Visa & MasterCard payment networks as well as cards that operate through them.
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Citi Credit Limit Increase Policy

Postby Techno4K » Sun Nov 10, 2013 1:46 pm

I have a Citi Dividend World Mastercard since 2005, and the credit limit has been at 6K since I opened it. I read that for AMEX, a 3X credit limit increase is recommended, but does anyone have any experience and/or strategy with Citi and how much to request. I want to keep my util % low. Thanks

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Postby irvinfitness » Mon Nov 11, 2013 9:31 am

I opened one a little over a year ago and they gave me an auto CLI after about 6 months from 4500 to 5900. At one point I was going to request a CLI, but they told me it would be a hard pull so I told them nevermind and it was about 2 weeks later that they gave me the auto CLI....

I don't think their CLI policy is the same regarding the 3X rule and I've never heard of a soft pull CLI with them, but I guess you never know if you don't ask (and maybe they will do a soft pull and give you something if you turn down the hard pull too). I have no idea if the auto had anything to do with my request, but in my case I did end up getting something.

Based on what I can tell, they like to compete with your highest line. So if you have a card that is much higher, they may give you an increase to try and match it. I think if you have had it since 2005 and you have higher cards, you have a good chance at getting a CLI if you call and ask about it, but that assumes you have a good history with them.

Good luck!
[size=60]Chase Freedom Signature - 10k (rotating 5%)
Citi Platinum Select - 8.1k (rotating 5%)
Discover It - 12k (rotating 5%)
AMEX BCE - 20k (Groceries 3% / Gas 2% )
Regions Signature Visa - 5k
US Bank Cash+ - 5.5k (Restaurants/Fast Food 5% / Drug Stores 2%)
Navy Federal cashRewards Visa Signature - 20k (Business Purchases)
Care Credit - 6k (Vet Bills/Dentist - 0% APR)
Chase IHG Rewards (Priority Club) - 18k (Annual Night Certificate, Platinum Elite Status)

Not used except for occasional purchase with promo:
Jared - 7.5k [/size]

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Postby OperaGhost » Fri Nov 15, 2013 11:52 pm

The safest way, though usually not the most rewarding, is requesting the CLI online. You can generally get a soft-pull CLI every 6 months online. Increases are generally skimpy this way -- around $1500 -- but it's a relatively safe soft pull.

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