Citi Double Cash

[ronstar7]

Hello everyone!

So excited I received my first pre select from a major bank. Now I'm in the garden, one of the cards I wanted was the Citi Double Cash card. Came home and saw the envelope. My reports are frozen and have been for quite some time now. Just for kicks however I opted in a few weeks ago to see if it might trigger some preapprovals. Today i saw it, has a specific apr not a range of apr's and the credit screening message on the bottom of the letter. I am in NY, do you know who they pull so I can unfreeze IF I choose to apply. Utl is 0, 1 baddie from 2011 which I'm sure hey saw since they soft pulled me and that's it. Scores in siggy are accurate as of today true ficos. But I thought you can't get preapprovals if your reports are frozen? Any and all feedback is greatly appreciated.

[Anonymous]

They pulled EX 629 and EQ 726 for me here in Virginia. Not sure about the frozen pulls though. Didn't get a great limit as my history isn't great but glad I got a chance at the card I really want to use on a daily basis.

-Sin

[ronstar7]

Can anyone else chime in on the accuracy of the pre select and who they pull for NY?

[ronstar7]

Wow so they double pull? That might be a deal breaker for me, I have 0 inq for the last 18 months getting 1 is already hard to stomach lol let alone 2!

[Anonymous]

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@ronstar7 wrote:
Wow so they double pull? That might be a deal breaker for me, I have 0 inq for the last 18 months getting 1 is already hard to stomach lol let alone 2!

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Yep. Unfortunatley from a lot of the posts I have read they double pull a lot of people. I guess it all depends on location and other factors, seeing as I'm not an underwriter I couldn't tell you :X. Either way best of luck if you decide to pull the trigger!!

-Sin

[mongstradamus]

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@ronstar7 wrote:
Wow so they double pull? That might be a deal breaker for me, I have 0 inq for the last 18 months getting 1 is already hard to stomach lol let alone 2!

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I am not NY but i am east coast as well, CT here. Both my citi cards were EX pulls. 

[Anonymous]

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@ronstar7 wrote:
Wow so they double pull? That might be a deal breaker for me, I have 0 inq for the last 18 months getting 1 is already hard to stomach lol let alone 2!

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Double pulling means 1 inquiry on 2 different bureaus; you don't get 2 inquires on the same one so you still won't have more than 1 on any bureau.  This shouldn't be a deal breaker for you.

I checked the credit pulls database for the DC card in NY and of the 6 people that reported on that card in the last 2 years, 4 of them had EX pulled and 2 of them had EQ pulled.  None of the 6 mentioned getting double pulled / pulled by two different bureaus.  I'd imagine the lower your score and/or the more negative information you may have on your file the greater the chance there is of a second pull, but that's just me speculating.

[Anonymous]

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@Anonymous wrote:
They pulled EX 629 and EQ 726 for me here in Virginia.

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Off topic here, but if you don't mind me asking why are your scores between those two bureaus nearly 100 points different?

[RonM21]

For mine they pulled 2 different bureaus. I'm in PA. I don't recall who they pulled though. There is also a credit pulls data base you can research that may have that info.

[longtimelurker]

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@Anonymous wrote:

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@ronstar7 wrote:
Wow so they double pull? That might be a deal breaker for me, I have 0 inq for the last 18 months getting 1 is already hard to stomach lol let alone 2!

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Double pulling means 1 inquiry on 2 different bureaus; you don't get 2 inquires on the same one so you still won't have more than 1 on any bureau.  This shouldn't be a deal breaker for you.

I checked the credit pulls database for the DC card in NY and of the 6 people that reported on that card in the last 2 years, 4 of them had EX pulled and 2 of them had EQ pulled.  None of the 6 mentioned getting double pulled / pulled by two different bureaus.  I'd imagine the lower your score and/or the more negative information you may have on your file the greater the chance there is of a second pull, but that's just me speculating.

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It's not so clearly defined.   Chase and Citi both started double pulling me when my FICO scores were in the 830+s.   Don't know why!