poo said: Heads up for Citi. Clicked "Credit Line increase" and got form; clicked cancel. Citi took it upon themselves to do a hard pull not once, but twice.
oh crap. I did CLI for 4 of my Citi cards today. All 4 result in the form. I didn't even click the cancel but just navigated to another page.
busterbaxter said: poo said: Heads up for Citi. Clicked "Credit Line increase" and got form; clicked cancel. Citi took it upon themselves to do a hard pull not once, but twice.
oh crap. I did CLI for 4 of my Citi cards today. All 4 result in the form. I didn't even click the cancel but just navigated to another page.
I have 4 too and just check occasionally to see if auto increases are there. For some reason, only the form cancelation on the Dividend card went through.
I do the CLI every day just to see if I will get the form, and I've never received a hard pull from Citi... Well, except for when I applied for the Associated Bank card!
afeld said: I do the CLI every day just to see if I will get the form, and I've never received a hard pull from Citi... Well, except for when I applied for the Associated Bank card!
did you click cancel or just move to another page?
busterbaxter said: afeld said: I do the CLI every day just to see if I will get the form, and I've never received a hard pull from Citi... Well, except for when I applied for the Associated Bank card!
did you click cancel or just move to another page?
I've never clicked cancel, either navigated away or closed the page.
afeld said: busterbaxter said: afeld said: I do the CLI every day just to see if I will get the form, and I've never received a hard pull from Citi... Well, except for when I applied for the Associated Bank card!
did you click cancel or just move to another page?
I've never clicked cancel, either navigated away or closed the page.
same here. I didn't even bother to scroll the page once I saw that dreadful form. I just click somewhere on the top to move to the next card.
afeld said: I used the CLI button again, but was denied, I think I did it within the last 6 months, I'll have to wait and see what the 7-10 day letter says.
Yup, got the letter, no CLI within 6 mo of the last one. I'm not sure when my last one was, since I don't use the card, my online statements aren't available to see when it was increased. I'll have to keep trying I guess!
busterbaxter said: afeld said: busterbaxter said: afeld said: I do the CLI every day just to see if I will get the form, and I've never received a hard pull from Citi... Well, except for when I applied for the Associated Bank card!
did you click cancel or just move to another page?
I've never clicked cancel, either navigated away or closed the page.
same here. I didn't even bother to scroll the page once I saw that dreadful form. I just click somewhere on the top to move to the next card.
Where is the cancel button? I've never clicked on it (don't know where it is), but I have navigated to that page several times (as in like, dozens) the past week or so trying to get the no-form CLI request. I should be okay, right?
The last several times (spread over the past year) that I've gone to the CLI page, I get "the form." I think I've both navigated away and clicked cancel, and I've never gotten a hard pull. But after each time I visit the page, Citi sends me a letter describing why they won't give me a CLI based on an internal review. (The primary reason is my $17k 0% for life balance that I'm not paying down )
fanerman91 said: busterbaxter said: afeld said: busterbaxter said: afeld said: I do the CLI every day just to see if I will get the form, and I've never received a hard pull from Citi... Well, except for when I applied for the Associated Bank card!
did you click cancel or just move to another page?
I've never clicked cancel, either navigated away or closed the page.
same here. I didn't even bother to scroll the page once I saw that dreadful form. I just click somewhere on the top to move to the next card.
Where is the cancel button? I've never clicked on it (don't know where it is), but I have navigated to that page several times (as in like, dozens) the past week or so trying to get the no-form CLI request. I should be okay, right?
Same here, I actually looked last time and didn't see it. My new Associated Bank's CLI screen looks different from my other Citi cards, though. (same site) I think there is an error on the site for some.
If you log into your Penfed account and get a preapproved offer for a credit card. You can accept the offer and it gives you the option to add the approved credit line to an existing card. A member on there talked to a CR and confirmed there was no hard pull.
The website isn't working properly so you can't use the "accept" link under the credit card picture; the next page doesn't work. You have to use the "view all offers" link under the customize picture and select credit card offers.
If you log into your Penfed account and get a preapproved offer for a credit card. You can accept the offer and it gives you the option to add the approved credit line to an existing card. A member on there talked to a CR and confirmed there was no hard pull.
The website isn't working properly so you can't use the "accept" link under the credit card picture; the next page doesn't work. You have to use the "view all offers" link under the customize picture and select credit card offers.
Thanks for the heads up! I logged into my PenFed account and was also offered a new card or increasing the CL on my existing card with the CL offered ($10,400), so I opted for the increase in my existing CL. Went from $30,000 to $40,400.
By the way, the CSRs over the phone do not see the pre-approved offers on their screens/computers so it's a web-only feature on your account and they can't do it over the phone.
I got three cards with Citi: Citi Dividend World: 9.6k Citi Professional: 4.8k Citi PremierPass Elite - 3.6k
I got forms on all of them. Decided to call it in and see if they would give me an increase on any of them. They gave me a 1.5k increase on the Professional card, and that's it, which is a joke. I may not spend much on any of these cards, but I've been with CitiBank for around four/five years now.
onedollarinmywallet said: gumkin said: Got the heads up from creditboards.
If you log into your Penfed account and get a preapproved offer for a credit card. You can accept the offer and it gives you the option to add the approved credit line to an existing card. A member on there talked to a CR and confirmed there was no hard pull.
The website isn't working properly so you can't use the "accept" link under the credit card picture; the next page doesn't work. You have to use the "view all offers" link under the customize picture and select credit card offers.
Thanks for the heads up! I logged into my PenFed account and was also offered a new card or increasing the CL on my existing card with the CL offered ($10,400), so I opted for the increase in my existing CL. Went from $30,000 to $40,400.
By the way, the CSRs over the phone do not see the pre-approved offers on their screens/computers so it's a web-only feature on your account and they can't do it over the phone.
I got a preapproved offer a week or two back and bumped my CL from 6K to 44K. No hard pull.
fattykokoya said: WAMU - Always hard through form. Call in for no-hard possible CLI. ------------ I have two WAMU credit cards and I called in but there is no way to increase my credit limit upon customer request. And they dont allow reallocation of credit limit between cards either.
Where do you see that "form"? I am using www.wamucards.com for online mgt, but forgive my ignorance, i don't see that form... or is there a special calling center for that?? Because WAMU only pull my TU and i dont really care if it's a hard . Any similar experience? Thanks! I too have tried to request a CLI (not caring whether hard). The email correspondence I have received validates what a couple others have mentioned so I'm going to update the QS: 2008-02-28 I said: I'm considering transferring a balance to this card from another issuer. The amount I'm considering transferring exceeds my current available credit limit for this card. Is there an option to increase my credit line WITHOUT a hard credit inquiry on any of my credit bureau reports?2008-02-28 THEY said: Please be advised that any credit bureau inquiry we may initiate after your account is opened is a 'soft' inquiry and does not affect your credit score. Keep in mind that these inquiries show only on credit reports you obtain, they do not appear on credit reports obtained by prospective lenders. These inquiries may be listed on your credit bureau report as a 'promotional inquiry'. Unfortunately, we do not process credit line increases by customer request. We do periodically review your account. If your account qualifies for a higher credit line, we will notify you by mail and the increase will be reflected on your monthly statement. Please keep in mind that our review process evaluates several factors including: 1. A timely payment history with us and other lenders. 2. Staying within your credit limit. 3. No Returned checks (due to insufficient funds). 4. The age of your account. edit: modified a couple pronouns
I just happened to press Ctrl-Alt-Del on my Windows computer and look at the "Processes" tab of the task Manager that came up. It turns out that I'm running an application called CLI.exe and one of its operating parameters is 13,808K!
For fun I requested increases to 5 of my 6 Citibank credit cards (all five are zero balance). I have one CitiBusiness Card which is 91% utilized with a $28,000 credit line. I requested increases April 25, 2008 based on this link
My one 12 year personal account immediately told me to contact customer service.
The three 10-month personal accounts each had me fill out a form asking for the usual income and banking information.
My one 10-month business account provided a form but did NOT ask for banking information:
Citi® MasterCard® Div Plat Sel age=12yr 6mo Line =3000
Please contact Customer Service at 1-800-950-5114 to check on the status of your request.
Citi ProfessionalSM Card age= 0yr 10mo Line=23500
By submitting this form you authorize Citibank (South Dakota) to check your credit history.
We received your Credit Line Increase request and have forwarded it to our Credit Department for review.
Citi® Upromise® Platinum Select® age= 0yr 10mo Line=11000
By submitting this form you authorize Citibank (South Dakota) to check your credit history.
We received your Credit Line Increase request and have forwarded it to our Credit Department for review.
AT&T Universal Platinum Card age= 0yr 10mo Line =1000
By submitting this form you authorize the issuer of the AT&T Universal Card to check your credit history.
We received your Credit Line Increase request and have forwarded it to our Credit Department for review.
CitiBusiness PremierPassSM Card age= 0yr 10mo Line =2000
This form is to request purchase line increase only. If you are requesting an increase in the cash advance
limit, a credit line decrease, or an emergency increase, then you should contact Customer Service at 1-866-
606-3382
cyberkost said: I just happened to press Ctrl-Alt-Del on my Windows computer and look at the "Processes" tab of the task Manager that came up. It turns out that I'm running an application called CLI.exe and one of its operating parameters is 13,808K!
I have a Barclay's (Juniper) Sinclair Mastercard which I have been using 2-3 times a month for gasoline for 5% Cash Back.
It's been 6 months since I opened the account, so I called and asked "if I qualify for an increase to my credit limit". They were able to bump it from $2500 to $3000 (kind of a crappy increase) but there was no hard pull.
I also had some luck with my Discover Gas card which has been open more then 1 year now, but I haven't been using it quite as much as my Sinclair card. The bump was from $4500 to $5500 - I asked the question the same way when I called, and no hard pull.
flwsoldier said: I have a Barclay's (Juniper) Sinclair Mastercard which I have been using 2-3 times a month for gasoline for 5% Cash Back.
It's been 6 months since I opened the account, so I called and asked "if I qualify for an increase to my credit limit". They were able to bump it from $2500 to $3000 (kind of a crappy increase) but there was no hard pull.
I also had some luck with my Discover Gas card which has been open more then 1 year now, but I haven't been using it quite as much as my Sinclair card. The bump was from $4500 to $5500 - I asked the question the same way when I called, and no hard pull.
My FACO scores are 700+ on all 3 CBs.
versus
RobInBoston said: Recently called Citi (9.5k), Chase (~4.5k), Discover (~5.5k) and CrapOne (3k). All wanted a hard pull before offering a higher limit
edit: and I have 8 years with 1 neg for 30 days late (from CrapOne of all cards!) I pay in full, 11 accounts all paid as agree, fico scores 726-750.
I don't get it. Did the one negative late/'do i qualify' question really make that much of a difference, where Rob's CSRs told him 'hard pull' and flwsoldier's was a soft? Is something else happening here?
In many years of carrying Chase CCS I have never seen Chase increase a personal CL without a request until now. The Biz cards, yes. But personal CLIs have always required a request (and a hard inquiry too)
But when my sister received her May Chase statement she saw this message:
Congratulations! Your credit line has been increased. Take advantage of your enhanced spending power to make purchases and transfer balances today.
And they raised her line by 3K.
Nothing yet on our family's (collective) 8 personal Chase cards but I'm hoping that this indicates a new trend.
pras said: onedollarinmywallet said: gumkin said: Got the heads up from creditboards.
If you log into your Penfed account and get a preapproved offer for a credit card. You can accept the offer and it gives you the option to add the approved credit line to an existing card. A member on there talked to a CR and confirmed there was no hard pull.
The website isn't working properly so you can't use the "accept" link under the credit card picture; the next page doesn't work. You have to use the "view all offers" link under the customize picture and select credit card offers.
Thanks for the heads up! I logged into my PenFed account and was also offered a new card or increasing the CL on my existing card with the CL offered ($10,400), so I opted for the increase in my existing CL. Went from $30,000 to $40,400.
By the way, the CSRs over the phone do not see the pre-approved offers on their screens/computers so it's a web-only feature on your account and they can't do it over the phone.
I got a preapproved offer a week or two back and bumped my CL from 6K to 44K. No hard pull.
pras.
How long were you a member before you got the offer?
It seems that recently Chase has been pretty good with CLIs.
LaJollaInvestor said: In many years of carrying Chase CCS I have never seen Chase increase a personal CL without a request until now. The Biz cards, yes. But personal CLIs have always required a request (and a hard inquiry too)
But when my sister received her May Chase statement she saw this message:
Congratulations! Your credit line has been increased. Take advantage of your enhanced spending power to make purchases and transfer balances today.
And they raised her line by 3K.
Nothing yet on our family's (collective) 8 personal Chase cards but I'm hoping that this indicates a new trend.
Please: do not do this too often---repeated requests will likely result in FR.
Uso said: I got my AMEX simplycash in January. They give me a $3000 CL. Since then, I tried to increase my CL through online twice. both time, they said wait 5-7 days. Then I got denied letter. I think I put in the wrong info. Can someone tell me what I really should put in the income to make this CL go through?
On income, I put in 70,000. Should I include my wife's income in here? which will be 140,000 combined.
On business revenue, I put 25,000. That is my second job income for last year (real estate agent). Am I wrong entering that amount for the revenue? Should I put my revenue as 1.5 million, which is the sum of the house sold price.
Is there any merit to changing the summary to include information about not just whether a hard-pull was required for the CLI, but also whether one had to put in information about _individual_ income? There are a number of us AORers who are running off of parental HHI, so I've had to back off of asking for a CLI for issuers requesting personal income information - I believe BoA and Discover fell into this category? Citi asked for nothing, kindly enough.
Pangloss1980 said: Is there any merit to changing the summary to include information about not just whether a hard-pull was required for the CLI, but also whether one had to put in information about _individual_ income? There are a number of us AORers who are running off of parental HHI, so I've had to back off of asking for a CLI for issuers requesting personal income information - I believe BoA and Discover fell into this category? Citi asked for nothing, kindly enough.Added information, imo, only adds more value to any thread. Keep in mind though, I don't mind sifting through fools gold to find the real stuff (if that makes sense.
I modified the QS for Citi CLIs as they now appear to not be available online with the new webpage design (personal side - business cards can still request online CLI).
Pangloss1980 said: Huh, I got two CLIs online with Citi just last night... Anyone able to confirm disappearance of the functionality? (Or disconfirm?)it appears to be going away
Is there a strategy on getting CLI from AMEX? I received my first AMEX card, The Blue Cash about three months ago with a 7.5K limit. After setting up online, I clicked the CLI button...got a letter in the mail that they do not increase credit limits on new accounts for 60 days. Is that a standard AMEX policy? I haven't tried it again...any suggestions on what to do or expect? Many thanks in advance.
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