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 total annual income and monthly housing payment amount, along with your account details. 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 your total annual income and your monthly housing payment 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. 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.
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