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Anyone with citi ask for a lin

Discussion in 'Credit Talk' started by sam, Jan 10, 2001.

  1. Jan 10, 2001 #1
    sam

    sam Well-Known Member

    I talked to the nice lady at citibank, but didn't follow through.

    Anyone with a Citibank and derog info, try to get a line increase?

    Roni?

    The nice lady said, they have to verify your work address, how much you make, etc and its forwarded to a department along with your credit file. Typically 4-6 months is the minimum term, but i had made 5 payments so far..

    Anyone who got in on the Citi AA deal, try for a raise yet?

    I might do it at 4 months, since that is what the citi rep recommended waiting..
     
  3. Jan 10, 2001 #2
    Cadillac408

    Cadillac408 Well-Known Member

    RE: Anyone with citi ask for a

    Well I have a Citibank Classic that I've had since 92. Limit is $800 and have not receive any type of increase for ~6 years. I called back in Sept? to request a $200 increase. Not only did they pull a HARD inquiry, they denied me for the increase AND took back half of my new interest rate that I had just gotten lowered (from 21% to 17% to 19%). I got a letter and it stated that these changes were due to my current credit report. Hey...and least they didn't cancel my card!

    So, anyone w/ a Citibank card that is looking for an increase with derogatory info on their reports needs to wait.
     
  4. Jan 10, 2001 #3
    sam

    sam Well-Known Member

    RE: Anyone with citi ask for a

    Thanks for the warning!!
     
  5. Jan 10, 2001 #4
    roni

    roni Well-Known Member

    No way, man....I'm strapped in

    To the wagon that is. NO i haven't. I have $18K with them and I am not even considering getting an inquiry for an increase. If I come close to needing more than $18k available credit, shoot me. They will pull your credit report you know.

    roni
     
  6. Jan 10, 2001 #5
    Sorin

    Sorin Well-Known Member

    RE: No way, man....I'm strappe

    Well, I got an increase from Citibank in december, from 1200 to 2200. I don't think they pulled my report for this. That is, they didn't pull Experian or Equifax. Haven't checked TU in the last month, but the initial inquiry, when I first got the card was on Equifax. So I suppose they didn't pull a report this time.

    I have this account since May, no derogs...
     
  7. Jan 10, 2001 #6
    Cadillac408

    Cadillac408 Well-Known Member

    RE: No way, man....I'm strappe

    When they pulled my report for the increase, they listed TransUnion as the creditor that they used.
     
  8. Jan 10, 2001 #7
    GEORGE

    GEORGE Well-Known Member

    RE: No way, man....I'm strappe

    If you are interested in a credit line increase...ask for an "ALREADY APPROVED CREDIT LINE INCREASE"...

    Some bank ocasionally put one on the REPS computor screen.

    :)

    No application, no credit report
    (probably based on payment history)
     
  9. Jan 10, 2001 #8
    sam

    sam Well-Known Member

    RE: does citi do that george?

    Just curious if we're talking about the same company..

    i'm gonna sit on my hands for now.
     
  10. Jan 10, 2001 #9
    GEORGE

    GEORGE Well-Known Member

    RE: does citi do that george?

    Don't know about CITI, since I was denied...
     

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