The main Citi Custom Cash requirements are that an applicant must be at least 18 years old with a valid Social Security number or Individual Taxpayer Identification number. Applicants must also have a physical U.S. address, enough income to make monthly minimum payments, and at least good credit.
Citi Custom Cash Requirements
At least 18 years old
Physical U.S. address (no P.O. boxes)
Proof of enough income to make the monthly minimum payment
Social Security number or ITIN
Good credit or better
If you apply for the Citi Custom Cash card, it’s important that you enter all required information completely and accurately. Knowingly reporting false or misleading information on a credit card application is a federal crime.
The Citi Custom Cash Card’s starting credit limit is $500. This amount is guaranteed for anyone approved for the card. But yours can be more, depending on your credit score, income, and payment history.
Fortunately, starting credit limits aren’t permanent. After at least six months of opening your account, you can ask for a credit limit increase. And the issuer will also periodically review your account to see if you’re eligible for a higher limit.… read full answer
For better odds of being granted a higher credit limit, always pay your bills on time, stay well below your credit limit, and try improving your credit score and income.
Withdraw the cash and remove the credit card from the ATM.
Before you take out a Citi Custom Cash cash advance, it’s important to note that it is a very expensive transaction. For starters, there’s a 5% (min $10) cash advance fee. There’s also a separate cash advance APR of 25.99% (V) that applies as soon as you withdraw the cash. There may be ATM-owner fees, too.
You can request a Citi Custom Cash℠ Card 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.… read full answer
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 “Credit Card Services,” and then “Request a Credit Limit Increase.”
Enter your total annual income and your monthly mortgage or rent payment amount . 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 hard pull of your credit report, which will cause a short-term dip in your credit score. Citibank cannot do a hard pull without your permission, though.
Alternatively, you could be eligible for a Citi Custom Cash credit limit increase without even requesting one. The Citi Custom Cash card 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. An automatic credit limit increase involves a soft pull, which does not affect your credit score.
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