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Unsolicited CLI


djplourd
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Ok, I just got an unsolicited $5,000 CLI on my CITI Simplicity MC, bumping me up to $23,000.  I have been using this card recently because they gave me a 0% on all purchases and BTs deal until April 2021.  This has come in handy, as we're selling our house and had to make some repairs along with paying moving and storage costs.  The CLI is just gravy on top.

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On 11/10/2020 at 6:31 AM, djplourd said:

Ok, I just got an unsolicited $5,000 CLI on my CITI Simplicity MC, bumping me up to $23,000.  I have been using this card recently because they gave me a 0% on all purchases and BTs deal until April 2021.  This has come in handy, as we're selling our house and had to make some repairs along with paying moving and storage costs.  The CLI is just gravy on top.

 

Is it safe to presume that you updated your reported income with Citi in some manner in the last 6 months?  I assume so since the CARD Act requires issuers to evaluate current cardholder "ability to pay" prior to extending additional credit.

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3 hours ago, hdporter said:

 

Is it safe to presume that you updated your reported income with Citi in some manner in the last 6 months?  I assume so since the CARD Act requires issuers to evaluate current cardholder "ability to pay" prior to extending additional credit.

That could be it.  I vaguely remember updating income on a credit card recently but I'm not certain it was Citi.  Given the CLI, it probably was

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