topic Re: Citi Double Cash Card ! in Credit Card Applications

Citi Double Cash Card !

TechQueen — Sun, 28 Jul 2019 20:02:39 GMT

Hi Folks

I have a BoA Travel Rewards,Cash Rewards,DiscoveriT,Chase Freedom Unlimited,AmeX Blu Cash Everyday,Capital One Platinum,Banana Republic VISA,Amazon Prime Store,Macy's Store Card. My FiCO score : 733 , TU : 753 , Equifax : 753.I have been denied for Citi Double Cash Card 2.5 years , I haven't applied for a credit card in 2.5 years , I have only one hard inquiry which is a year old , My credit history is for about 3.5 years. Is it a good time to apply for Citi Double Cash Card ? Thanks.

Re: Citi Double Cash Card !

CreditInspired — Sun, 28 Jul 2019 20:45:26 GMT

Hi and welcome to MyFICO

What is your aggregate UT, individual UT, AAOA, and income? Do you have any type of loans?

Re: Citi Double Cash Card !

Anonymous — Sun, 28 Jul 2019 20:59:15 GMT

@CreditInspired wrote:
Hi and welcome to MyFICO

What is your aggregate UT, individual UT, AAOA, and income? Do you have any type of loans?

These questions are important questions.

Everything else tells me you are fine. Do you have a prequalifed offer on their website?

Re: Citi Double Cash Card !

TechQueen — Sun, 28 Jul 2019 21:05:24 GMT

Thanks for the reply , I do not have any type of loans as of now , nor have I ever had.

My income is $75k per annum, By AAOA I am assuming you want to verify if I have any reports of tenant screening.

There's just one hard inquiry on my report that dates back to Sep 2018 when I applied for apartment.

I am sorry if sound ignorant but I do not know what aggregate UT, individual UT are ? By googling I didn't find any info either.

Please shed some light so I can provide required information.

Re: Citi Double Cash Card !

TechQueen — Sun, 28 Jul 2019 21:06:06 GMT

I do not have prequalified offer on their website.

Re: Citi Double Cash Card !

alexgold9393 — Sun, 28 Jul 2019 21:15:56 GMT

@TechQueen wrote:
Hi

Thanks for the reply , I do not have any type of loans as of now , nor have I ever had.
My income is $75k per annum, By AAOA I am assuming you want to verify if I have any reports of tenant screening.
There's just one hard inquiry on my report that dates back to Sep 2018 when I applied for apartment.
I am sorry if sound ignorant but I do not know what aggregate UT, individual UT are ? By googling I didn't find any info either.
Please shed some light so I can provide required information.

AAoA is your Average Age of Accounts.

Aggregate Utilization is the percent of debt to an available limit on all cards combined.

Individual Utilization is the percent of debt to an available limit on individual cards.

Also, Next time you apply try to do it through incognito or private browser, some companies review your cache and cookies and make determinations on you regardless of your score.

Good luck

Re: Citi Double Cash Card !

TechQueen — Sun, 28 Jul 2019 21:20:06 GMT

AAoA is your Average Age of Accounts. It's 3 years and 1 month , although my credit history seems longer than that.

Aggregate Utilization is the percent of debt to an available limit on all cards combined. - Around 30%

Individual Utilization is the percent of debt to an available limit on individual cards. - No more than 30%

Also, Next time you apply try to do it through incognito or private browser, some companies review your cache and cookies and make determinations on you regardless of your score. - Thanks for the advice.Will do so.

Re: Citi Double Cash Card !

Meanmchine — Sun, 28 Jul 2019 21:24:12 GMT

@alexgold9393 wrote:
Also, Next time you apply try to do it through incognito or private browser, some companies review your cache and cookies and make determinations on you regardless of your score.

Good luck

Ive never heard of that before, besides probably being illegal

Re: Citi Double Cash Card !

TechQueen — Sun, 28 Jul 2019 21:50:33 GMT

I just checked my aggregate UT and Individual UT is 15% and not even close to 30%.

Re: Citi Double Cash Card !

alexgold9393 — Sun, 28 Jul 2019 21:51:11 GMT

@Meanmchine wrote:
@alexgold9393 wrote:
Also, Next time you apply try to do it through incognito or private browser, some companies review your cache and cookies and make determinations on you regardless of your score.

Good luck
Ive never heard of that before, besides probably being illegal

Speaking from personal experience. I've been trying to get an amex delta gold for 2.5 years, and the one time i get approved is when i applied from incognito. Like I said its just in my honest opinion.

Re: Citi Double Cash Card !

TechQueen — Sun, 28 Jul 2019 22:45:12 GMT

Thanks will do so !

Re: Citi Double Cash Card !

CreditInspired — Mon, 29 Jul 2019 01:18:27 GMT

Thanks OP for your responses. Honestly, from your DPs (data points), you look really good for a Citi DC approval. IMO, I say go ahead and apply. Pull the trigger!

Also here’s the link for the common abbreviations we use. And believe me, it was a different language for the majority of us. 😁
https://ficoforums.myfico.com/t5/User-Guidelines-General/Common-Abbreviations/m-p/88458#M23

Re: Citi Double Cash Card !

TechQueen — Mon, 29 Jul 2019 02:06:02 GMT

Thanks , Will do so !

Re: Citi Double Cash Card !

wasCB14 — Tue, 30 Jul 2019 03:45:26 GMT

Your approval odds may be good, but based on the gutting of the benefits and the lack of a bonus, I'd say it's a bad time to apply...in that it's going from being arguably the best 2% card to one of the worst.

Re: Citi Double Cash Card !

TechQueen — Tue, 30 Jul 2019 11:58:23 GMT

Thanks ! I am in no rush to apply for one as of now , I might wait for a couple of months before I apply.

Re: Citi Double Cash Card !

Anonymous — Tue, 30 Jul 2019 21:16:15 GMT

@TechQueen wrote:
Hi Folks

I have a BoA Travel Rewards,Cash Rewards,DiscoveriT,Chase Freedom Unlimited,AmeX Blu Cash Everyday,Capital One Platinum,Banana Republic VISA,Amazon Prime Store,Macy's Store Card. My FiCO score : 733 , TU : 753 , Equifax : 753.I have been denied for Citi Double Cash Card 2.5 years , I haven't applied for a credit card in 2.5 years , I have only one hard inquiry which is a year old , My credit history is for about 3.5 years. Is it a good time to apply for Citi Double Cash Card ? Thanks.

Your data points are very similar to mine when I was approved. Citi is inquiry sensitive and since you have 0 in the last 6 months you should be good. I would be very surprised if they denied you.

When you do apply, if you get the 7-10 days message, call the reconsideration line immediately. I received that message and called right away, they wanted to make sure it was actually me that applied and I was approved within 5 minutes.

One more thing to consider. Have you moved recently? I applied for a DC in May, 6 weeks after I had moved, and was denied because my address was too new and couldn't be verified to prove my identity. I apped again at the beginning of July, 14 weeks after moving and was approved.

Re: Citi Double Cash Card !

TechQueen — Wed, 31 Jul 2019 00:02:19 GMT

Thanks !

Will keep all of this in mind , I might apply for one probably in a couple months' time or even later than.

But a Big Thank You to all of you for chipping in with so many helpful worthy responses.

I am overwhelmed !

Re: Citi Double Cash Card !

Creditsen — Wed, 31 Jul 2019 23:50:41 GMT

@alexgold9393 wrote:
@TechQueen wrote:
Hi

Thanks for the reply , I do not have any type of loans as of now , nor have I ever had.
My income is $75k per annum, By AAOA I am assuming you want to verify if I have any reports of tenant screening.
There's just one hard inquiry on my report that dates back to Sep 2018 when I applied for apartment.
I am sorry if sound ignorant but I do not know what aggregate UT, individual UT are ? By googling I didn't find any info either.
Please shed some light so I can provide required information.
AAoA is your Average Age of Accounts.
Aggregate Utilization is the percent of debt to an available limit on all cards combined.
Individual Utilization is the percent of debt to an available limit on individual cards.

Also, Next time you apply try to do it through incognito or private browser, some companies review your cache and cookies and make determinations on you regardless of your score.

Good luck

Wow that is really good to know!