Chip Lupo, Credit Card Writer
@CLoop
You can request a Citi Custom Cash credit limit increase online, through the Citibank mobile app, or by calling customer service at 1-888-872-2214. To raise your chances of being approved for a higher credit limit, pay your bill on time for at least six straight months, reduce your outstanding debt, and update the income Citibank has on file. Citibank will be more likely to increase your credit limit if the revised income clearly shows that you can afford a higher limit.
How To Get a Citi Custom Cash Credit Limit Increase Online
- Log in to your online account or the Citibank mobile app.
- Choose the Citi Custom Cash card from the list of account options (if you have more than one Citibank card).
- Click “View All Services,” and then “Request a Credit Limit Increase.”
- Enter your annual income and your monthly housing payment. Click "Next."
- Confirm the information entered and click “Submit” to complete the request.
You should receive a decision in just a few seconds. If you’re approved for a Citi Custom Cash credit limit increase, the new limit is effective immediately.
Impact of a Citi Custom Cash Credit Limit Increase on Your Credit Score
When you request a Citi Custom Cash credit limit increase, Citibank will conduct a soft pull of your credit report, which does not affect your credit score. However, some Citi Custom Cash credit limit increase requests may involve a hard pull, which will cause a short-term dip in your credit score. Citibank cannot do a hard pull without your permission.
Alternatively, you could be eligible for a Citi Custom Cash credit limit increase without even requesting one. The Citi Custom Cash may offer an automatic credit limit increase if Citibank’s regular review of your account shows a history of on-time payments and low debt.
Please note that the Citi Custom Cash® Card has been discontinued and is no longer available to new applicants. As a result, the information presented on this page may no longer be accurate.
Popular Credit Cards from Our Partners
People also ask
What's the starting credit limit for the Citi Custom Cash Card?
The Citi Custom Cash credit limit is $500 or more. Everyone who gets approved for Citi Custom Cash is guaranteed a credit limit of at least $500, and the most creditworthy applicants could get much higher limits. The higher an applicant’s credit score and income are, the higher the starting credit limit is likely to be.
The Citi Custom Cash credit limit that you receive upon approval isn’t necessarily permanent. You can ask to get a credit limit increase by calling the Citibank customer service number on...
read full answer by Evelyn Boros, Credit Cards ModeratorHow do I request a credit limit increase with Citibank?
You can request a Citibank credit limit increase online, through the Citibank mobile app, or by calling customer service at (800) 950-5114. To raise your chances of being approved for a higher credit limit, pay your bill on time for at least six straight months, reduce your outstanding debt, and update the income Citibank has on file. Citibank will be more likely to increase your credit limit if the revised income clearly shows that you can...
read full answer by John Miller, Credit Cards ModeratorWhat is the Citi Custom Cash Card credit score requirement?
The Citi Custom Cash® Card credit score requirement is good credit or better.
Note that while your credit score is very important, plenty of other things will impact your chances of being approved for the Citi Custom Cash. Some other key criteria include your income, existing debt load, recent credit inquiries, number of open accounts, housing status, and employment status.
If you excel in other areas, you might be able to get approved with a slightly lower credit...
read full answer by Evelyn Boros, Credit Cards ModeratorDid we answer your question?
Important Disclosures
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers. For full transparency, here is a list of our current advertisers.
Advertisers compensate WalletHub when you click on a link, or your application is approved, or your account is opened. Advertising impacts how and where offers appear on this site (including, for example, the order in which they appear and their prevalence). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Advertising enables WalletHub to provide you proprietary tools, services, and content at no charge. Advertising does not impact WalletHub's editorial content including our best picks, reviews, ratings and opinions. Those are completely independent and not provided, commissioned, or endorsed by any company, as our editors follow a strict editorial policy.