Citi Recon on CLI?

[PsRumors]

I've had a Citi Double Cash for four complete statements now. Request a CLI from $9k to $20k and received a CLI to $15k which is great but I need $20k. I called the # on the card and was told by the nice lady that since I already requested a CLI there was nothing that could be done.

 

Is that so? Or has anyone had any luck countering their counter?

 

I put about $6k through the card a month with one month hitting $9k. All PIF by the statement date. I have a $16k purchase to make and would love the 2% on it.

[CTSoxFan]

You might want to call Citi, as it is a world elite master card and some of those still have the ability to go over your credit limit as long as the amount over the limit is paid on the next statement. I couldn't find anything on the Citi site as to whether or not this is an option on this card. You can also call the Citi EO at 605-331-1698 and see if they can assist with the increase to $20k.

[PsRumors]

You might want to call Citi, as it is a world elite master card and some of those still have the ability to go over your credit limit as long as the amount over the limit is paid on the next statement. I couldn't find anything on the Citi site as to whether or not this is an option on this card. You can also call the Citi EO at 605-331-1698 and see if they can assist with the increase to $20k.

 

Thanks. That EO number got me to a nice lady who will do a manual review. Said it will take a couple of days but at least we are moving in the right direction

[CTSoxFan]

Good luck!

[PsRumors]

Thanks so much for the number. Even though the nice lady said it would be sometime next week, just checked my account and now have a $20k limit. That is the highest limit card I have. Onward and upward.

 

I just could not fathom not getting the 2% cash back on the $16k purchase....that's $300 for using my card as compared to writing a check

[Big Bear]

NICE!!! Congrats on the successful recon!

 

 

Did they pull a second hard pull?

 

 

What category of spending are you running with those amounts? There may be better options out there for you (i.e. ~5%).

[PsRumors]

NICE!!! Congrats on the successful recon!

 

 

Did they pull a second hard pull?

 

 

What category of spending are you running with those amounts? There may be better options out there for you (i.e. ~5%).

 

I don't know what or who they pulled yet. Don't have a credit report pull again for another 5 days. I may do a back door pull as I have not done one in 5 months.

 

My spending is all over the place, travel, food, utilities (bill pay), auto/motorcycle parts, school for my daughter, etc, etc. While I could likely get more by matching categories etc I am just happy at this point to get the 2% and garden a while.

 

We are SOOO much further along than we were this time last year. Made it through nearly 7 years of tough credit issues and are on the right side of 700 now. May look into better % the first of next year but for now I am working our current cards to get them established with very good limits.

[CTSoxFan]

Congrats on the CLI. Once you have stabilized you should take a look at your spending profile so you can find cards that maximize your rewards.

[PsRumors]

Only one inquiry and only on Equifax which I think is worth the $11k bump in credit limit and the ability to earn $320 in cash back on one swipe.

[pwd847]

I requested CLI online, and they came back saying "You currently have the max credit limit we can offer without a HP."  So I authorized a HP and was denied.  Called EO and opened a ticket.  Asked if they can use same HP and told yes.  I spoke to the lady who is assigned my ticket yesterday, and she asked for permission to HP.  I said no.  She submitted to UW without permission but said that the UW will likely make her call me back to get permission.

 

I'll let you know what happens.  I really want this no AF AA card's($5,500) limit a lot higher so I can close my Barclays Aviator($25,000).

[pwd847]

Checked citibank app today and I got a bump.  Original was $5,500.  New is $13,400.  Asked for $25,000.

 

No HP!

[hegemony]

1 hour ago, pwd847 said:

Checked citibank app today and I got a bump.  Original was $5,500.  New is $13,400.  Asked for $25,000.

 

No HP!

that's awesome! Citi seems to have gone full Junami given recent datapoints on CLI!

[shifter]

2 hours ago, hegemony said:

that's awesome! Citi seems to have gone full Junami given recent datapoints on CLI!

Hmm. Maybe I should try the EO for my next CLI and try to get one of these cards closer to my $50k NFCU instead of $3k bumps at a time. 

[pwd847]

On 8/30/2022 at 5:04 PM, pwd847 said:

Checked citibank app today and I got a bump.  Original was $5,500.  New is $13,400.  Asked for $25,000.

 

No HP!

I should have said, "No additional HP!"