Our pick for a Citi credit card: Citi® Diamond Preferred® Card

18 months
Intro APR on transfers
- Market-leading 18 months intro APR on transfers and purchases
- Potentially low revert rate of 14.74%-24.74% variable
- No annual fee
If you have big purchases to make, but not enough money in the bank, a higher credit limit can help. It can also help you keep your utilization rate low, which may directly affect your future loan terms.
If you’re not satisfied with the credit line you receive upon approval for your Citi card, you can request a higher credit limit amount. (Citi is a finder.com advertising partner.)
Log in to your online account, select your credit card and look for your credit line under account summary. Alternatively, you can find it in your monthly credit card statement or you can call customer service.
Citi doesn’t openly list any criteria that’ll determine your credit line increase eligibility. However, all credit card providers take the following into consideration:
Meeting the requirements doesn’t guarantee a credit line increase, but it does improve your chances of getting one.
There are four ways to increase your credit line with a Citi credit card:
Before you proceed, keep the following information close by — your annual income, employment and occupation, a reason for the request, your monthly credit card spend and mortgage/rent payment.
Citi makes it easy to submit your credit limit increase online. All you have to do is:
Another option is to call Citi and talk to a customer service representative to submit your credit line increase request. Here’s how to do it:
As soon as your credit line increase is approved, your new credit line will appear in your account.
If you’re not satisfied with the amount, you can immediately request more. However, this may result in a hard pull on your credit, so you may want to reconsider.
Sometimes, Citi will automatically give you a credit limit increase if they determine you fulfill their credit limit increase criteria. This is the easiest way and it doesn’t require a soft pull or a hard pull on your account. To increase your chances of getting an automatic credit limit increase, make sure to:
If, for some reason, you can’t get a credit line increase, consider applying for another card. Aside from getting an additional line of credit, you can get perks such as a signup bonus, a 0% intro APR period, a rewards program or no annual fee.
All credit cards in the table below come with a high credit limit. However, the credit line you receive depends on various factors, including your annual income, employment and creditworthiness.
Like most other credit card providers, Citi determines the amount of your credit line based on:
You can request a credit limit increase as soon as your first credit limit increase request is approved. With other card providers, you have to wait at least six months between credit line increases.
If you don’t think your current Citi credit limit will cut it, request a higher credit line. Just make sure you meet Citi’s requirements first so as not to waste time and effort going through the process.
If you can’t get a credit line increase, consider applying for a new credit card as an alternative.
Earn flat rewards on all of your purchases.
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