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Discussion in 'Credit Talk' started by sam, Aug 24, 2001.
if so, how long, whats ur credit like..
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I received one(Feb) if the Plat. Select that I opened back in October 2000. It was only $800 but I had to call and ask, if there was any increases available without a credit inquiry, 30 minutes later, I got the increase.
I opened a Citi Dividend in March (4K). I transferred a lot of balances on this card and made large payments. Even paying it off a coupe of times. In late July, I checked the automated system and received a 1.5K increase.
I have had the Gold AA Mastercard since June, heavy balances, heavy paymenys, still no transfer. But, I hope that it will be coming soon, so that I can combine all of my Citi's into one.
I hope this helps.
Also, I always check the online system, you just never know.
Right! The online system gives you any preapproved increases based on your record with Citi. Log in to your account and click on the drop down menus til you see it. It will just say "no increase right now" or "congratulations" - then you can accept or decline - I just got my first one - $500 - 5th month.
I have my two cards since January and I got an automatic increase via account online
in July 1.5k for each card. Received the "Congratulations message".
I have noticed that Citibank checks my Transunion Report every three months with
two soft inquires.
Yep, they do AR regularly. However, mine have been on experian and EFX. I guess TU is next.
Unfortuantely Sam, Citibank pulls TU for all increases and I have been denied. This will probably happen until the tax lien is older. Others have gotten them however, and good for them
thanks roni you confirmed the same problem i am having...
Odd, the message specifically says my account must have been opened for 6 months for an increase.
Why odd? You have to wait, then, silly. That's Citi's rule. 6 months. Then click on the increase thingy.
Any other way, you'll get an inquiry.
I guess you don't get it. You said you got an increase in 5 months.
Oh OK, well my card was issued in March, I got the increase last week. It was five months.
So, it's been 5 months and you tried and didn't get one.......?
I dunno, wait the extra month is all I can say.
I use this card all the time, carry a small balance, make larger than minimum payments, just made double the minimum. Maybe that got me one earlier than the 6 months. I was getting the 6 month message also, but I still check to see every month.
Hope this helps
Am I to understand that those of you who got instant increases didn't have to fill out a form or anything. You just selected the menu item and it gave you an answer?
when you press the button to select line increase, you are asking it. It can pull a hard inquiry, it might not..
It all depends on what it feels like doing
Really weird. Don't waste your time on increases, get more and combine.
I guess I have to wait, then, because it gives me a form to fill out and submit a request.