Money Tips: Citi Dividend Credit Card Limit

Posted On: January 4, 2007

Guest: canadianpotatoes
Post subject: Citi Dividend Credit Card Limit
Posted: Thu Jan 04, 2007 9:57 pm

Yes, so this card annoyed me when it dropped my cash back to 2% from 5%, but I’m wondering.. is it possible to get above a $3200 limit on this card?

I have a $3200 limit and everytime I see it posted on this forum it has a $3200 limit. I just asked for a CLI to move past $3200 and they said for the first time that it would require a hard pull (granted, it was only a bit more than a month after my last one, but still).

So does anyone have a higher CL than $3200 with this card or is it stuck at that because it’s not a super prime card or something?

Guest: Chazmanian
Credit Expert (100+ Posts)
Posted: Thu Jan 04, 2007 10:34 pm

canadianpotatoes wrote:
Yes, so this card annoyed me when it dropped my cash back to 2% from 5%, but I’m wondering.. is it possible to get above a $3200 limit on this card?

I have a $3200 limit and everytime I see it posted on this forum it has a $3200 limit. I just asked for a CLI to move past $3200 and they said for the first time that it would require a hard pull (granted, it was only a bit more than a month after my last one, but still).

So does anyone have a higher CL than $3200 with this card or is it stuck at that because it’s not a super prime card or something?

Any Citi-card is a good card in my opinion. Super-Prime? My Super-Prime Premier Pass card dosent report limits or high balances and is Super-Crappy. try this with that Divvy-Card. Go to the online banking site. Click on request a credit line increase if a screen pops up that asks for Income, Etc…Click out as filling that form will generate a Hard Pull. Go back say…Once a week and when your card has been granted a soft pull increase it will automatically go to a screen that says congrats or whatever asking you if you accept the credit line increase at that time. That is a no hard pull increase. Whether you are granted that increase depends on your current balance, Payment history, The alignment of the Moon, Sun and Pluto. I have five different Citi-cards and all except my “Super-Prime” Premier Pass World Card, All have gotten several good increases without a hard pull Via the Citi “Luv” button. I have clicked that derned Luv’ button religiously once a week for the past year….Sheese I may have to go Click right now!

P.S. The Super Hottie Prime card is…Drum Roll Please……CHASE FREEDOM! Run dont walk to the Chase Freedom site and go for a cold app. they are going Insta-Approval crazy and the card has a nice 0% intro rate and looks Super Prime when presented to Cashiers, bartenders and Waitresses!!! Plus HDPorter scored a healthy 17.5K limit out of the box. Thats Hot! Thats Prime! Me…A not so prime 6K. but the derned card looks hot and some Super-secret agent prime card eletro-**** in it too!

Guest: Millenial
Posted: Thu Jan 04, 2007 10:57 pm

yeah the chase freedom is pretty cool, it’d be my main card if it had a higher limit and the points had no expiration date

Guest: cabledude
Posted: Thu Jan 04, 2007 10:58 pm

Chazmanian wrote:
canadianpotatoes wrote:
Yes, so this card annoyed me when it dropped my cash back to 2% from 5%, but I’m wondering.. is it possible to get above a $3200 limit on this card?

I have a $3200 limit and everytime I see it posted on this forum it has a $3200 limit. I just asked for a CLI to move past $3200 and they said for the first time that it would require a hard pull (granted, it was only a bit more than a month after my last one, but still).

So does anyone have a higher CL than $3200 with this card or is it stuck at that because it’s not a super prime card or something?

Any Citi-card is a good card in my opinion. Super-Prime? My Super-Prime Premier Pass card dosent report limits or high balances and is Super-Crappy. try this with that Divvy-Card. Go to the online banking site. Click on request a credit line increase if a screen pops up that asks for Income, Etc…Click out as filling that form will generate a Hard Pull. Go back say…Once a week and when your card has been granted a soft pull increase it will automatically go to a screen that says congrats or whatever asking you if you accept the credit line increase at that time. That is a no hard pull increase. Whether you are granted that increase depends on your current balance, Payment history, The alignment of the Moon, Sun and Pluto. I have five different Citi-cards and all except my “Super-Prime” Premier Pass World Card, All have gotten several good increases without a hard pull Via the Citi “Luv” button. I have clicked that derned Luv’ button religiously once a week for the past year….Sheese I may have to go Click right now!

P.S. The Super Hottie Prime card is…Drum Roll Please……CHASE FREEDOM! Run dont walk to the Chase Freedom site and go for a cold app. they are going Insta-Approval crazy and the card has a nice 0% intro rate and looks Super Prime when presented to Cashiers, bartenders and Waitresses!!! Plus HDPorter scored a healthy 17.5K limit out of the box. Thats Hot! Thats Prime! Me…A not so prime 6K. but the derned card looks hot and some Super-secret agent prime card eletro-**** in it too!

Good advice from Chazmanian to follow. I’ve gotten mine up from $3,600 to $12.6K by pushing this button. You can also apply for a new card and TX some or all of the limit to the dividend. Still a hard, but may end up giving you more CL this way than asking for a CLI on an existing card.