Citi, anybody try this??

Discussion in 'Credit Talk' started by bailey, Jul 24, 2001.

  1. bailey

    bailey Well-Known Member

    I got the silver and gold AA cards and combined then upgraded to Platinum, gosh Citi is so easy with this process, anyway just curious if anyone who has done this has then applied for either a silver or gold card again?? Trying to build up my limits and this would help.

  2. bailey

    bailey Well-Known Member

  3. Reshod

    Reshod Well-Known Member

    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

    Good Luck
  4. Saar

    Saar Banned

    No more than 2 Citi applications within any given 60 days: It would be auto-declined and the 60-day count would be reset.

  5. Saar

    Saar Banned

    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?

  6. the other

    the other Well-Known Member

    Citi has always posted hard inquiries for me whenever I have requested a limit increase.
  7. Momof3

    Momof3 Well-Known Member

    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.

    GEORGE Well-Known Member

    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!!!

Share This Page