CIti Double Cash back 2% whats your CL and APR??

[Suddenlyy]

approved with 2500 CL, 17.99 APR

724 EQ Fico according to them (btw they gave me this info right after applying, rather than waiting in the mail)

really surprised about my approval since  i got declined for TYP and dividend within the last 5 months, and i have 3 new accounts within the last 6 months.

2 accounts that are 4 months old

1 acct that is 1 month old

1% util, 8 month AAOA

[SunriseEarth]

I was instantly approved for $1200 and the 22.99% APR after promo period ends.

The score they provided me was 680 and they stated they pulled EX.  Before Citi, EX had 8 INQ; 2 are over 1 yr old and not scored, the rest are less than 6 months old.  I have 4 TLs that are less than one year old reporting (Macy's, Sony Card, Target, Care Credit).

Citi was IIB back in 2005 (I had the AT&T Universal MC), but I don't recall what the CL or the balance IIB was on that CC.   While the initial CL and high APR are disappointing, I'm pleased that I'm not on their blacklist!

[s_haliz]

Is it VISA or MasterCard? I think its VISA, but I can be wrong...

[SunriseEarth]

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@s_haliz wrote:

Is it VISA or MasterCard? I think its VISA, but I can be wrong...

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The rumor mills say it's a MC.  I hope so, since I mainly got it to replace my QS1

[Josh611]

Anyone know how they are with shorter history people?

9 months of history next month with scores around 730 and no new inq or accouns in the last 6 months

2 cards, one reporting <9% and the other none. Also an AU on a 10yo card

[s_haliz]

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@SunriseEarth wrote:

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@s_haliz wrote:

Is it VISA or MasterCard? I think its VISA, but I can be wrong...

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The rumor mills say it's a MC.  I hope so, since I mainly got it to replace my QS1

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Actually you are correct. I had called them (877-455-5444) and the rep. confirmed that it is a Master Card. 2% is really sweet and beats CapitalOne. Nothing to worry about rotating categories or spend limit. I will probably apply this card in near future. Only downside is there is no "Signing Bonus"....But great 0% introductory offer (15 months) for those who wants balance transfer.   

[Hockeyplayrr]

17.99% APR

$2,600 limit

sockdrawered TYP with a $3500 limit

2 new cards at the end of June and 1 new card in the beginning of march.  1 hp for a CLI with bank of america a couple days ago (I assume it was a hp, I have yet to be dinged for it)

Score they gave me was in the 740s.  It was Experian on a scale going up to 900.  I'm in New Jersey.  My income listed is only $36k a year so I feel like that definitely factored into my limit being that I already have another card with them.

[ezdoesit]

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@mongstradamus wrote:

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@ezdoesit wrote:

With all these new approval makes me want to app badly.  Glad I closed my TYP and USAA Amex to make way fo the CL I will get on this card.

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its opposite for me with all these approvals and sub prime rates makes me not want to apply. 17.99+apr and less than 5k CL aren't very appealing to me. I guess i am the only negative nancy when it comes to this card. 

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I wonder if it is the demand side.  Since there are a lot of apps for their product they feel they could be less competitive with their rates.  Tbh if I applied and I know this is going to sound bad but I doubt I will get less than 15k and should get a 12.99 with all things being equal.

Are you only negative because of the rates and CL you have seen people getting?

[mongstradamus]

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@ezdoesit wrote:

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@mongstradamus wrote:

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@ezdoesit wrote:

With all these new approval makes me want to app badly.  Glad I closed my TYP and USAA Amex to make way fo the CL I will get on this card.

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its opposite for me with all these approvals and sub prime rates makes me not want to apply. 17.99+apr and less than 5k CL aren't very appealing to me. I guess i am the only negative nancy when it comes to this card. 

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I wonder if it is the demand side.  Since there are a lot of apps for their product they feel they could be less competitive with their rates.  Tbh if I applied and I know this is going to sound bad but I doubt I will get less than 15k and should get a 12.99 with all things being equal.

Are you only negative because of the rates and CL you have seen people getting?

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That is one of the reason, but i am not all in on this card like most people are on this fourm are. I want to see this card in action and how the 2nd part of the 2% cash back is implemented. I have read the descriptions but i want to see people with real world experience and see how they like it. For me this card directly is trying to compete with QS.

There are few things about qs that still make it an very viable card even if the CB is .5% less. I think most people know of the FTF aspect, but i also think being able to redeem whatever amount of cash back you want is an big perk. Related to that i think having to wait till statememnt cuts to get 2nd half of your cash back will make it very confusing and hard to track the actual cb you are getting. 

Since this card is trying to compete directly with QS. the no signup bonus, which almost all cc nowadays have, is an drawback. When i compare it directly with the qs i have the apr is going to be an big deal. 17.99-22.99% cannot compare to the 9.90 i get from qs. Also the CL of 2000-3000 isn't going to cut it . I would expect that kind of CL if my scores were in high 600s or low 700s. 

[colinstu]

$3300 CL, 17.99%, 739 EX