CITI CL increase with BT offer

Discussion in 'Credit Talk' started by mephisto, Aug 29, 2003.

  1. mephisto

    mephisto Well-Known Member

    Citibank mailed me an offer yesterday for 5.9% or 6.9% BT until paid with credit line increase up to $5500. My current CL is 11k, so they're offering 50% increase.

    I don't care for the BT offer but I do care for the CL increase because I called only 2 days ago and asked for an increase without hard inquiry and was told they couldn't do it.

    So the question is, if I use this BT offer, will CITI pull a hard or will the monthly AR inquires that they pull be satisfactory?

    I assume if I do the BT, the CL will increase immediately and I can pay it off before my billing cycle so that the balance doesn't show - which would cause a significant drop in my 746 EQ/732 EX score?
  2. DemPooches

    DemPooches Well-Known Member

    When we got the offer about three months ago they didn't pull a hard.

    We paid it off before the statement closed and it now reports with a zero balance and the new credit line.


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