lumolelu said:sinik,

Which citi card do you have? I have the Associates card which later became a citi card. But everytime I clicked on the Request for credit line increase, it always brought me to the form. I am assuming since Associates is not a direct citi card, the system is slightly different.

me too, i got the same card and use to beable to get instant increases but once citi took over the form keeps coming up!!!!!

This was for a new line, with an up to $30K @ 2.9 for life solicitation. The terms were typical CapOne. Oddly, they didn't actually pull Experian as I was expecting, and neither did USB. I guess I'll hang for a few and see what comes in the mail.


DaveHanson said:I'm confused jclark--was this 30K offer for a new card then? If so, what were the other terms? If not, is the line already 30k or with this BT increase the line?

With those scores, I don't think you have to worry--you should get a large line.

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Currently had a $16500 with Bank One.

Just got off the phone right now, I requested a CL to 25K.
CSR just ask me for my household income.
Ran a credit check ( it was okay for this one ).
Put me on hold to talk with credit dept, said I would get a decision within 5-7 days via mail.
She asked if this was okay, I said I wanted to know now because some of my promo BT rates for other cards will be ending within the next couple of days (not really though ).
She said okay, put me on hold, she came back on line, said I was approved.
She asked if I wanted to do any BT's now, I said I need to go home and gather the info.

That was it.

I just just checked my account online and it has been updated to 25K !


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On another note, I am currently in the process of icreasing DISC to 25K, I was initially declined, letter stated " suffciently obligated ". Last week, I disputed the decision, I wrote a certified letter to the Corporate office.
I am still waiting on the return letter or answer.

My plan is to bump up my CL's to 25K.....
Once I do, I will start out with a mini App O Rama...

Forgot to mention mu CL Utilization is 7-8% right now

user3657 said:lumolelu said:sinik,

Which citi card do you have? I have the Associates card which later became a citi card. But everytime I clicked on the Request for credit line increase, it always brought me to the form. I am assuming since Associates is not a direct citi card, the system is slightly different.

me too, i got the same card and use to beable to get instant increases but once citi took over the form keeps coming up!!!!!

BTW, I clicked on the Request for credit line increases a few days ago and it brought me to an automatic increase of $1,000. Thanks to sinik it was increased without a any hard pulls.

Quick Examplw

I recently applied for a CL increase for DISC to 25K. I did the request over the phone with a CSR..I was declined. I should have requested to s/w a analyst, but I ddi not bother..

A couple of days later, I received a letter from DISC, stating I was declined because I was " sufficiently obligated ". This made no sense to me. My credit Util is below 10%!

Instead of calling DISC back, I wrote a friendly certified letter to the Corporate Office. Why? I have had better luck writing letters directly to the CEO's etc ( there is another thread on this somewhere as well, on writing letters ). I was in no hurry.

About 2 weeks later, I received a message from the Executive Office ( secretary ) I believe ) asking for a return call.

I just called her back today
Extremely friendly Rep, she explained the reason I was declined was because there automated system recognized my HELOC as revolving Why? Because WF reports HELOC ( in most cases as revolving, mentioned in another thread as well ) So, put my application or threw up a Red Flag on it.

Once she explained why I was declined( she went in to extreme detail ), she then asked in order to approve my request, I need to fax over Inc Doc OR she would call my CPA. Wow! The only thing she would ask my CPA, is an " approx " range of Income, nothing exact. No problem at for me.

Currently, I just need to call her back and leave the #. She will follow up and return a courtesy call to me once everything is finished.

I do not want to get to greedy, but when I call I wil see if I could get a larger CL than 25K. It will not hurt.

My experience with this scenario so far includes many topic mentioned here in various threads..

1) HELOC reported as REVOLVING-WF for me..this did hurt my request initially
2) Writing a letter to a Company-I have had very good luck in the past, so far so good here.
3) How to get a CL Inc to 25K-about a 3 week turn around time

NOW, if I could only get a CL of 25K +

Hope my example may help others as well.

Just remembered to update my situation. DISC called my CPA, couple of days later I was approved for a $25K CL. I checked online to verify as well

lumolelu said:user3657 said:
BTW, I clicked on the Request for credit line increases a few days ago and it brought me to an automatic increase of $1,000. Thanks to sinik it was increased without a any hard pulls.

Citi regularly gves me a $1.5K increase on both cards i have (at least the last two times i tried, 4 month interval) without any hard pulls.

AMEX takes the cake though, i clicked on the "increase my limit" & they gave me 4K increase without a hard pull

Thanks for the info! Sounds like something I'd like to try out myself.

Thanks for the bump and the updates all... I'll update the OP at some point, several changes to make...

jludwick, did that Blue line increase request stick? That would be pretty funny

cheezedawg said:FYI- I just noticed that my Fleet Visa (now Bank of America) has a link on their online banking website (mycard.fleet.com) to increase your credit limit. I clicked on it just to see what it did, and it took me to a page that asked what my income was, and when I submitted a number it immediately increased my limit by $2000. The terms of use said that you can do this online every 9 months.

Did it pull your score as well?