I'm trying to determine around where on average Citi seems to place a constraint of revolving limit(s) relative to income. If you have a Citi card or cards, please reply with what your current exposure is relative to income expressed as a percentage. For example, if you have two Citi cards with $7300 and $12,500 limits and your income is $50,000 you would reply with 39.6%. If you would like to include any additional information such as number of cards, length of relationship, BCE8 score or anything else that you believe may contribute to your percentage outside of simply income definitely feel free. To kick things off, I'm at 35.0% with 1 card that's about 5 years old, BCE8 score in the 850-880 range. I've been denied with the reason provided that my current limit(s) are at their max relative to my income. I have a feeling though that we'll see some responses that exceed 35.0%, so I'm looking forward to more data.
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Re: What is your Citi limit(s) relative to income?

17 of 18
A year ago
Fri May 19, 2023 10:27 pm
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MSmart007
Seasoned Rebel
Total exposure on Citi Legacy and Citi co-branded V/MC/AMEX cards **Now** -> $188,600.00 Low 7 figure Income. So they have a wayze to go.
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Re: What is your Citi limit(s) relative to income?

18 of 18
A year ago
Sat May 20, 2023 3:31 am
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BrutalBodyShots
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CreditAggie wrote: Fri May 19, 2023 5:51 pm My Citi exposure is currently 31% of my reported income. Citi won't consider a CLI request unless I consent to a HP.
Their HPs for CLIs are very hit or miss. I gave up a HP for a CLI in maybe 2018 or so, only got $5000 when with a SP CLI in close proximity I got $7000.
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