To request a Citi Diamond Preferred credit limit increase, call Citibank customer service at (800) 950-5114 or access the "Card Management" menu from your online account or mobile app. For the highest approval odds, cardholders should have at least 6 consecutive months of on-time payments on the account. Consistently paying on time, preferably in full, could also boost your chances of receiving an automatic credit limit increase without having to ask.
If you’re requesting a Citi Diamond Preferred credit limit increase over the phone, follow the voice prompts to connect to a customer service representative. You will be asked to provide your account details, along with some other required information. It’s also fairly simple to request an increase online.
How to Request a Citi Diamond Preferred Credit Limit Increase Online:
- Log in to your online account through the Citibank website or mobile app. Select the "Services" tab, followed by "Credit Card Services".
- From the "Card Management" menu, select "Request a Credit Limit Increase".
- If you have multiple cards, choose the Citi Diamond Preferred card.
- Enter the required information in the appropriate fields.
- Verify that the information is accurate. Select "Continue" to submit the request.
You should receive a decision nearly instantly – within a few seconds of submitting the request. If you’re approved for an increase, your new credit limit will be effective immediately.
Citibank also periodically reviews accounts and grants higher credit limits to select cardholders who meet certain criteria. There is no way to guarantee eligibility for automatic credit limit increases, but keeping your account in good standing, paying your credit card bills in full and on time, while making sure your income information is updated will help.
How a Citi Diamond Preferred credit limit increase affects your credit score
Automatic credit limit increases only involve a soft pull of your credit and do not affect your credit score. When requesting a credit limit increase on your own, Citibank will consider several factors that determine whether a soft pull or a hard pull will be used. Some of these include the age of your account and whether you have requested an increase in the recent past. But you can rest assured that Citibank will always notify you before a hard pull.
If your request is denied, you will receive a letter detailing the reason(s) for the denial. Citibank does not have a process for appeals, so make sure to review the letter before submitting another request in the future.
WalletHub Answers is a free service that helps consumers access financial information. Information on WalletHub Answers is provided “as is” and should not be considered financial, legal or investment advice. WalletHub is not a financial advisor, law firm, “lawyer referral service,” or a substitute for a financial advisor, attorney, or law firm. You may want to hire a professional before making any decision. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. The helpfulness of a financial advisor's answer is not indicative of future advisor performance.
WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines
. This question was posted by WalletHub.
Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered.