A Citi credit limit increase typically involves a soft pull. Generally, when you apply for an increase online or by phone (1-800-950-5114), Citi does a soft pull andthen either offers you an increase or denies your request. If you decline the amount they offer and ask for more, Citi will do a hard pull to determine if your credit is good enough. Occasionally, Citi will use a hard pull on your initial request, before you have a chance to counter-offer. This is most common with accounts that haven’t been open long. But you’ll be notified that a hard pull is coming, so you won’t be caught off-guard.
And Citi will review your file every 6 months with a soft pull to see if you’re eligible for an automatic credit limit increase. You’ll have a better chance of getting one if you’ve been using your available credit responsibly, paying on time and not utilizing a large amount.
Here’s how to get a Citi credit limit increase with a soft pull:
Log in to your account and select “Account Management.”
- Click “Request a Credit Line Increase.”
- Citi will show you the amount you’re approved for or deny your request.
- Click “Accept.”
You can also get a Citi credit limit increase with a soft pull by phone. Just call 1-800-950-5114, enter your card number, tell a customer service representative that you’d like a credit limit increase, and accept whatever they offer. If Citi needs to do a hard pull, the customer service representative will inform you first.
However you go about it, getting a higher credit line can be well worth your while. It can improve your credit utilization without forcing you to decrease your spending. But if you’re in no rush, you can wait and see if Citi offers you an increase automatically.