topic Re: Citi Double Cash Approval in Credit Card Approvals

Citi Double Cash Approval

Anonymous — Thu, 06 Apr 2017 22:52:26 GMT

I like to have a 0% APR card for new purchases and my other ones had already gone beyond their dates (will be getting canceled soon). I've been pre-approved for this card online with a 0% APR for balance transfers for 18 months and 13.49% APR for purchases. I received a letter today for 0% APR and 0% APR on purchases for 15 months and then 22% APR afterwards. So, since I really have one purpose in mind I chose the mail offer knowing that Citi is stingy with their SL and this would be just for small miscellaneous purchases. True to form Citi gave me a phone number to call to let me know if I was approved or not. About 2 minutes later I was told congratulations, I'm approved for $3,900 SL. I asked if I can talk to someone tonight to discuss increasing it but was told I have to wait to have card in hand. If that means another HP, then forget it, but if anyone has different information about a recon on the SL, please comment below.

I've had a very rocky relationship with Citi Doube Cash almost 2 years ago when they flat out turned me down for too many INQs. They pulled EX and EQ back then. I now have 0 INQ in the past year with EQ and 2 on EX so was surprised it was not an instant approval. After 15 months I'll see about lowering that APR.

Re: Citi Double Cash Approval

Anonymous — Thu, 06 Apr 2017 22:59:35 GMT

Likely you know this, Citi Double Cash is known for small starting CLs ... yours is better than many on here. That said, Ficoer's are a tough group and have had luck with significant CLIs but seems they were HPs. Other posters will weigh in and give you direct input.

Re: Citi Double Cash Approval

Anonymous — Thu, 06 Apr 2017 23:05:58 GMT

Congrats on your approval!! Actually that is not a bad SL...

Re: Citi Double Cash Approval

Anonymous — Thu, 06 Apr 2017 23:12:15 GMT

@Anonymous wrote:
Congrats on your approval!! Actually that is not a bad SL...

For Citi no it's not really bad. I knew that going into it though. I've never really investigated how easy they are to deal with after a few months of usage with CLI and lower APRs. Guess I'll find out in July 2018.