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Discussion in 'Credit Talk' started by bailey, Jul 24, 2001.
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I have done this process. i applied for the AA card, then product transfered to the Plat. Select. A few months later applied for the AA card again, and product transfered to the dividend card. Then I applied again for the same card and product transfered to the World Master Card. After I have my cards for six months, I will ask for an increase. After I get increases on all three cards. I will combine them with a combine limit in excess of 11.3K
Excellent Plan....Works Well
No more than 2 Citi applications within any given 60 days: It would be auto-declined and the 60-day count would be reset.
BTW, if you need a low-rate BT offer w/o BT fee, a Retention agent is your man. Same for frequent credit increases. They pull an inquiry for those, but someone has posted it's a soft. Can anyone confirm / refute?
Citi has always posted hard inquiries for me whenever I have requested a limit increase.
Well Saar here is my Citi experience so far. When I requested a BT I received it, however they pulled a HARD inquiry?? When I requested a credit line increase through the online system it was NOT automatic, I had to enter bank info etc, declined HARD inquiry. When I tried again a few months later, received instant increase and the inquiry was SOFT. Then I requested a credit line increase for the gold card ( i had previously combined silver and gold), they declined my increase but only pulled SOFT, they sent me a letter explaining that since I combined limits this was considered a credit line increase and that I should apply at such and such a date for another one and stated they only pulled an AR inquiry.
So I "think" if you are automatically given increase then it's SOFT, if they have to look further and usually decline then it's HARD and if you aren't eligible time wise then it's SOFT. Atleast that has been my experience.
NOT CITIBANK...But FIRST USA gave me a "PRE-APPROVED" $5,000 credit line increase...NO INQUIRY...BUT when I did a balance transfer a month later...THE STUPID COMPANY DID A "HARD" INQUIRY...FOR MONEY THAT WAS "PRE-APPROVED" and already on the account!!!