Credit Line Increase on Citibank Credit Cards

[queensdeals]

Hey guys-
I'm not sure if this was specific to me... but last week, I was checking the citicards.com website on my 3 Citi credit cards for any credit line increase offers.  This is an option on the website and is a little tricky as you have to go into the specific page for each of the cards individually.  Under one of the top tabs - 'tools and services' -  there is sometimes an option to request Credit Line increases.  I have always checked them periodically...not to request a line increase (as it would be a hard pull) but to see if they volunteer any updated increases.  This time 2 of my cards had them...

Citi Dividends
$8500 --> $9500


Citi Diamond Preferred
$8700 --> $9700


Both of these were personal cards.
I also have a Citi professional card which did not receive any offer (probably because its under a different wing - citi business?)

Anyway, always worth it to take a look...it even said that my line increase did not require any credit pull whatsoever.

As far as my spending goes, I used to the dividends a ton when it gave 3% on gas/groceries/pharm...but no more.  So it just sits there and gets used for 10-30 bucks in a month maybe twice a year.  I have a credit score of about 760.

So take a look for yourselves...maybe there's aline increase in it for you too.

[gozalim]

what other companies offer that kind of thing?
does BofA ever offer increases like that?

[queensdeals]

what other companies offer that kind of thing?
does BofA ever offer increases like that?

None that I know of.  I don't use BofA credit cards.

I do know however that a similar arrangement with Citibank CSRs is made over the phone as well...you can call up and ask if anything is immediately available (w/o the hard pull).

[gozalim]

from the BofA website:

(https://ccss-rva.bankofamerica.com/ccss/creditLineIncreaseEForm.el_uif)

"In factoring our decision for a credit line increase on a personal account, your account performance and credit status will be reviewed. This request will not result in an inquiry to your credit report unless you are notified that it is required, and the decision will not have any impact on your credit history. Federal law requires that we collect income information to determine your ability to pay.

To request an increased line of credit, complete the form and click the "Request Credit Line Increase" button. By clicking the "Request Credit Line Increase" button, you authorize Bank of America to review your credit and employment histories and any other information in order to process this application, service your account and manage our relationship with you."

so essentially if you do that (especially without specifying an increase amount) you get the same result

[menachem_m]

Citi online CLI tool now explicitly says no pull. This is definitely new, not sure how long though.

[LoLo]

Citi online CLI tool now explicitly says no pull. This is definitely new, not sure how long though.

I got my limit increased from $1000 to $2400 two days ago, no hard pull.
Did it over the phone.

[avibrooklyn]

Banks do it....

My PayPal card was increased from 5k to 7500 by itself

My discover card keeps going up

Capital one same story