CIAccount and Credit-Line Closures

    Special Comment Code CI: Credit Line Closed - Consumer

    Special Comment Code CI means "Credit Line Closed - Consumer". The consumer asked for the credit line to be closed. The available credit is withdrawn at the consumer's request rather than by a grantor decision. It is reported in Special Comment (Field 31) of the Base Segment, 2 characters at position 213.

    Specification

    CodeCI
    MeaningCredit Line Closed - Consumer
    FieldSpecial Comment (Field 31)
    RecordBase Segment
    Length / position2 chars · 213–214
    CategoryAccount and Credit-Line Closures
    CRRG referenceCRRG Exhibits 6 & 7 (Special Comment Codes)

    What Special Comment Code CI means

    • CI is the consumer-initiated counterpart of CH. The only thing that separates them is who made the decision.
    • CI is specific to a credit line. Where the consumer closed a whole account rather than a line, AP is the broader comment.
    • CI does NOT mean the balance is zero. A consumer can close a line and continue paying the balance down.
    • CI does NOT imply anything about the consumer's standing. Consumers close lines for their own reasons, and the comment carries no performance meaning.
    • Reporting CI when the grantor actually closed the line understates a lender action and misstates the record.

    When to report CI

    • 1A cardholder calls to close a card they no longer use and asks that the line be closed.
    • 2A consumer closes a home-equity line after selling the property and paying it off.
    • 3A borrower consolidating debt asks for an unused personal line of credit to be closed.
    • 4A consumer closes one line of a multi-line relationship while keeping the rest of the accounts open.

    Reporting rules

    • Report CI only where the request came from the consumer.
    • Populate Date Closed in the same record.
    • Do not report CI for a line the grantor closed for inactivity or risk; that is CH.
    • Do not use CI on an installment obligation.
    • If the consumer closed the entire account rather than a line within it, AP describes the event more accurately.

    Codes and fields that must agree

    A file can be structurally valid and still be wrong. These are the cross-field conditions Special Comment Code CI has to satisfy.

    • Applies to Portfolio Type R (Revolving) and C (Line of Credit).
    • Requires Date Closed to be populated.
    • Where the balance was paid at closure, Account Status 13 (paid and closed with a zero balance) is the natural partner and Current Balance must be zero.
    • Credit Limit should not continue to imply available credit after the line is closed.
    • Amount Past Due should normally be zero on a consumer-requested line closure of an account in good standing.

    Common errors involving CI

    G002
    Invalid Special Comment Code
    The special comment code is not recognized
    B012
    Portfolio Type Mismatch
    The portfolio type does not match the account type or terms
    B003
    Status and Payment Rating Mismatch
    The account status does not match the payment rating history

    Vocabulary

    Special Comment CodeDate Closed

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    Source: CRRG Exhibits 6 & 7 (Special Comment Codes). Last reviewed 2026-08-25.

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    Metro 2 Special Comment Code CI: Credit Line Closed - Consumer