Originally Posted by
icemule1
I have a couple of Citi cards (DC and TY Premier I believe) and I've never had a Citi AA card. Should I try for the business version or the personal version first, or does it not matter? Also, should I lower my credit limit on my TY Premier card before applying? My credit limit on my DC card is already pretty low so don't want to lower that one. I read somewhere that Citi does a hard pull to do credit limit changes (or maybe just increase requests?) so not sure if I should do that to improve my chances of getting approved.
Always a HP to get a CL increase, never a HP to do a CL decrease. If you already qualify for a given CL, you surely qualify for a lower one.
Whether or not to lower the Premier CL depends on what your CL is, especially relative to your income. If you have, say $35K on the Premier, and you don't ever need to spend that much on it in a single billing period, definitely lower it. If you only have $10K on the Premier, and say $3K on the DC, and you have a substantial income and Fico rating, no need to do anything.