You can get a Citi Simplicity® Card - No Late Fees Ever credit limit increase online or by calling 1-800-950-5114. You may also receive an automatic Citi Simplicity credit limit increase if you regularly pay your bill on time. Your chances of getting a higher limit are always best if your credit score and income have improved since you got the card.
Whether you apply online or by phone, you can find out whether it’ll be a soft or hard pull on your credit. Online requests for limit increases trigger a hard inquiry when you ask for more than Citi initially offers. And Citi customer service reps will be able to tell you if a hard inquiry is required before you go through with the request by phone.
Keep in mind that any time your income goes up or your monthly housing payment goes down, you can update your account’s financial information. This can help pave the way to automatic credit limit increases or approved increase requests.
Here’s how to get a Citi Simplicity credit limit increase:
Online: Log in to your account and select “Services,” then “Credit Card Services.” Select “Request a Credit Limit Increase.” Enter your annual income and monthly rent/mortgage payment. The available limit increase will be displayed. You can request more than Citi’s offer but it’ll trigger a hard inquiry and can be 24 hours before you get a reply.
By Phone: Call 1-800-950-5114 and enter your credit card number. Speak with a representative about getting a credit limit increase. They’ll be able to tell you whether it’ll require a soft or hard pull before processing the request. Have your annual income and monthly housing payment info ready.
Automatic Credit Limit Increase: You may receive an increase without asking. Citi periodically reviews accounts for this purpose. Citi doesn’t list criteria to meet for these increases but you can’t go wrong using your card regularly and making payments on time.
Update Financial Profile: Your current credit limit is based on how your finances were doing when you got the card. Citi Simplicity is more likely to give you a raise if you’re now making more money or have less debt. In other words, it pays to keep your account profile up to date.
You don’t want to request a Citi Simplicity credit limit increase too often. It may require a hard credit inquiry. And that could temporarily hurt your credit score. So it’s best to make the request when your odds of success are highest.
One good strategy is to pay down some of your existing balances. This should reduce your credit utilization and increase your credit score. You can track your credit score for free on WalletHub to see when the time is right to apply for a higher limit.