Citi has been cracking down on unused credit cards and I was one of the people affected. They decided to drop the credit line on my Citi Professional card, a card I haven’t used in a year or so, and then axe it entirely at the end of the month. Fortunately, I have a proper response.
Citi lets you periodically request credit line increases through their online interface. Today, while looking at my Citi mtvU card, I requested it and they granted a $2,000 increase with no credit pull.
To request a credit line increase, log into your account. Then, at the top, look for Tools & Service, then click Request A Credit Line Increase. You will either be notified that you’ve been given one or asked to fill out more information.
If you are asked for more information, cancel it. If you offer the information, you’ll have your credit pulled. If you are offered an increase like this:
Congratulations!
Your credit line can be immediately increased by $2,000.00 for a total new credit line of $9,600.00.During the evaluation process, a credit bureau report was not pulled.
Please indicate below whether or not you accept this amount. If you want a lower credit line, call Customer Service at 1-800-950-5114. Outside the U.S., call 605-335-2222.
Click Yes!
There you have it, quick and easy credit line increases.
Tags: Credit Limit
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