topic Re: Approved! Citi Double Cash 11k in Credit Card Approvals

Approved! Citi Double Cash 11k

TyrannicalDuncery3 — Mon, 10 Feb 2025 19:21:45 GMT

I'll go back and update this with more info (filling in the "???"). Thank you to everyone especially on MyFico who has been advising me on the Citi ecosystem!!

This is application 1/2 in a spree, so I may have another update for y'all soon.

Instant approval.
11k limit.
Relationship:
- Existing co-branded Citi card (Shop Your Way), about 18 month old.
- No other relationship.
- Got some Citi CC offers in the mail recently, no preapproval.
No identity documents requested.
Credit stuff:
- New accounts: 0/6, 2/12, 4/24
- Age:
  - AoNA 7m
  - AoOA 12y 2m
  - AAoA 3y 0m
- Inquiries:
  - Pulled Experian
    - (maybe others? We'll see what CK says on the other 2; US Bank didn't send an alert so hopefully no TransUnion)
  - TransUnion: 0/6, 1/12
  - Equifax: 1/6, 1/12
  - Experian: 0/6, 1/12
  - All bureaus combined: 1/6, 3/12
- Income between 100k and 150k/year, rent 700/month.
- Utilization: somewhere between 0 and 3%, most of it was on a low CL card which could have been up to 20% utilization. Not sure whether that matters.
- No bad stuff
- Recent issues (mentioning these since they didn't mess me up with Citi):
  - denied for GTE checking OOS (HP Equifax, boooooo!), allegedly due to Socure
  - bad data in Socure consumer report (corrected before Citi app)
  - denied for Serve+BB prepaids (this always happens to me, even back when I was not suspicious)

I got the instant approval screen, then got to the screen to set up online access. I tried a few usernames, they were already taken, then it said sorry, we can't set up online access for you right now, wait 7-10 days for your card to arrive. I also didn't get a confirmation email.

So then I called 888-201-4523, the automated system said that my application was pending. Then I got to a human who said I was approved and told me my CL. They said that I should get a confirmation email today, and also that that email should have a link to set up online access. They said maybe try again to set up online acccess in 24 hours. About 30 minutes after the application, I went back and saw that I had 2 emails: a "pending" email and then an "approval" email 3 minutes later. Unfortunately, it looks like there is no way to set up online access using any link from either of those 2 emails. No big deal. I have plenty more shenanigans to keep me busy until then!

Re: Approved! Citi Double Cash 11k

StrongerReturn2018 — Mon, 10 Feb 2025 19:05:14 GMT

Re: Approved! Citi Double Cash 11k

GZG — Mon, 10 Feb 2025 19:13:48 GMT

very nice limit and approval, congrats!!

Re: Approved! Citi Double Cash 11k

JoeRockhead — Mon, 10 Feb 2025 22:47:39 GMT

Nice SL, congratulations on your aproval!

Re: Approved! Citi Double Cash 11k

Rebuild2019 — Mon, 10 Feb 2025 23:40:59 GMT

Congratulations on your approval and nice SL @TyrannicalDuncery3

Re: Approved! Citi Double Cash 11k

CreditMagic7 — Tue, 11 Feb 2025 06:27:18 GMT

Re: Approved! Citi Double Cash 11k

NoMoreE46 — Wed, 12 Feb 2025 01:29:29 GMT

@TyrannicalDuncery3 wrote:
I'll go back and update this with more info (filling in the "???"). Thank you to everyone especially on MyFico who has been advising me on the Citi ecosystem!!

This is application 1/2 in a spree, so I may have another update for y'all soon.

Instant approval.
11k limit.
Relationship:
Existing co-branded Citi card (Shop Your Way), about 18 month old.
No other relationship.
Got some Citi CC offers in the mail recently, no preapproval.
No identity documents requested.
Credit stuff:
New accounts: 0/6, 2/12, 4/24
Age:
AoNA 7m
AoOA 12y 2m
AAoA 3y 0m
Inquiries:
Pulled Experian
(maybe others? We'll see what CK says on the other 2; US Bank didn't send an alert so hopefully no TransUnion)
TransUnion: 0/6, 1/12
Equifax: 1/6, 1/12
Experian: 0/6, 1/12
All bureaus combined: 1/6, 3/12
Income between 100k and 150k/year, rent 700/month.
Utilization: somewhere between 0 and 3%, most of it was on a low CL card which could have been up to 20% utilization. Not sure whether that matters.
No bad stuff
Recent issues (mentioning these since they didn't mess me up with Citi):
denied for GTE checking OOS (HP Equifax, boooooo!), allegedly due to Socure
bad data in Socure consumer report (corrected before Citi app)
denied for Serve+BB prepaids (this always happens to me, even back when I was not suspicious)
I got the instant approval screen, then got to the screen to set up online access. I tried a few usernames, they were already taken, then it said sorry, we can't set up online access for you right now, wait 7-10 days for your card to arrive. I also didn't get a confirmation email.

So then I called 888-201-4523, the automated system said that my application was pending. Then I got to a human who said I was approved and told me my CL. They said that I should get a confirmation email today, and also that that email should have a link to set up online access. They said maybe try again to set up online acccess in 24 hours. About 30 minutes after the application, I went back and saw that I had 2 emails: a "pending" email and then an "approval" email 3 minutes later. Unfortunately, it looks like there is no way to set up online access using any link from either of those 2 emails. No big deal. I have plenty more shenanigans to keep me busy until then!

Grats there $11,000 is a very excellent SL for Citi.

PS, $700 rent- is that for a room?

Re: Approved! Citi Double Cash 11k

jcar — Wed, 12 Feb 2025 02:00:13 GMT

Congrats on your Citi approval!

Re: Approved! Citi Double Cash 11k

Barky — Sat, 15 Feb 2025 16:02:28 GMT

Congrats!!

Re: Approved! Citi Double Cash 11k

coreyb80 — Wed, 12 Feb 2025 15:48:07 GMT

Congrats on the approval!

Re: Approved! Citi Double Cash 11k

Creditwiser — Wed, 12 Feb 2025 17:18:34 GMT

Nice approval , Congrats !!

Re: Approved! Citi Double Cash 11k

cashorcharge — Thu, 13 Feb 2025 23:53:30 GMT

That’s Terrific!! Congratulations on your Approval!!👏🏼🍾🥂

Re: Approved! Citi Double Cash 11k

CreditAggie — Mon, 03 Mar 2025 01:18:48 GMT

Congratulations on your Citi Double Cash approval!

Re: Approved! Citi Double Cash 11k

c00mtg — Tue, 04 Mar 2025 23:21:46 GMT

Congrats! And thank you for the details 👍