topic Re: Citi 6/6 Rule in Credit Card Applications

Does Citi Double Pull..? & 6/6 Rule

ToxikPH — Wed, 09 Oct 2019 03:56:15 GMT

Trying to understand my garden goal of 0/6 on accounts and inq. as my end goal is another Citi card but I need to be under 6/6. I always looked at my report and saw Citi on Experian. Now I see they pulled both TU and EX for one card but only TU for the other. I applied for the R+ on July 1st and DC on July 17th. Only the DC shows twice. Are they more likely to double pull both TU and EX or just TU?

Re: Does Citi Double Pull..?

Anonymous — Wed, 09 Oct 2019 01:33:22 GMT

I can’t speak for everyone, but I was double pulled for Citi. I think it was Ex and Eq. I’d have to double check to be sure.

Sometimes pulls are based on geographic locations. Sometimes it’s based on a lender preference.

Re: Does Citi Double Pull..?

Anonymous — Wed, 09 Oct 2019 01:40:40 GMT

I got hit with EX and TU in February for DC (denied) and just TU last month for Rewards+.

Re: Does Citi Double Pull..?

ToxikPH — Wed, 09 Oct 2019 01:47:28 GMT

I'd like to get more data points on this but it seems like the first app is 2 pulls and after that is one.

Re: Does Citi Double Pull..?

Anonymous — Wed, 09 Oct 2019 02:01:58 GMT

@ToxikPH wrote:
I'd like to get more data points on this but it seems like the first app is 2 pulls and after that is one.

I think it's more likely based on scores. My score on TU went up about 50 points since my February app. 729 was likely enough for Citi to just pull one bureau would be my guess.

Re: Does Citi Double Pull..?

mikesonthemend — Wed, 09 Oct 2019 02:13:07 GMT

@ToxikPH wrote:
Trying to understand my garden goal of 0/6 on accounts and inq. as my end goal is another Citi card but I need to be under 6/6. I always looked at my report and saw Citi on Experian. Now I see they pulled both TU and EX for one card but only TU for the other. I applied for the R+ on July 1st and DC on July 17th. Only the DC shows twice. Are they more likely to double pull both TU and EX or just TU?

Georgia: EX (705) and EQ (720)

Re: Does Citi Double Pull..?

CreditCuriosity — Wed, 09 Oct 2019 02:13:03 GMT

Yes most of the times Citi double pulls as echoed above

Re: Does Citi Double Pull..?

FinStar — Wed, 09 Oct 2019 02:41:11 GMT

Echoing the above, their algorithm will determine the required pulls for the application. It's not product driven and it's not derived on say the first approval is 2 HPs and then one-pull "freebies" after that. YEMV.

Citi 6/6 Rule

ToxikPH — Wed, 09 Oct 2019 03:52:43 GMT

I'm doing research on the 6/6 rule for Citi as they are my next planned card. Is the rule that you won't be approved above 6 or at 6? I'll be at 5/6 at the end of the month on TU but at 6/6 on EX and just wanted to understand a bit better.

Re: Does Citi Double Pull..?

Anonymous — Wed, 09 Oct 2019 14:52:08 GMT

@ToxikPH wrote:
I'd like to get more data points on this but it seems like the first app is 2 pulls and after that is one.

It's a DP on apps and single pull on CLI's if you go beyond the SP offer.

I've done 2 accounts with them and it was a DP both times.

If you're into them for the long run eventually your CL grows but, it's a slow process every 6 months unless you're willing to HP each attempt after the SP and even then it could be a paltry 5K bump.

When you apply they give you a soft ball CL and when you activate you can take another HP and usually snag another 5K as was the case on both of my cards with them. Since opening eveyr 6 months it's been a 2K bump on each card since I'm not wasting HP's for a basic card and a basic lender.

Re: Citi 6/6 Rule

bigpoppa09 — Wed, 09 Oct 2019 14:53:00 GMT

They always double pull me me EX,TU.

Re: Citi 6/6 Rule

Anonymous — Wed, 09 Oct 2019 14:53:27 GMT

@ToxikPH wrote:
I'm doing research on the 6/6 rule for Citi as they are my next planned card. Is the rule that you won't be approved above 6 or at 6? I'll be at 5/6 at the end of the month on TU but at 6/6 on EX and just wanted to understand a bit better.

https://awardwallet.com/blog/understanding-rewards-credit-card-application-rules-restrictions/ -- simple guidelines

https://www.reddit.com/r/churning/comments/67u9q0/guide_antichurning_rules/ -- extensive guidelines

Re: Citi 6/6 Rule

CreditCuriosity — Wed, 09 Oct 2019 14:56:55 GMT

@Anonymous wrote:
@ToxikPH wrote:
I'm doing research on the 6/6 rule for Citi as they are my next planned card. Is the rule that you won't be approved above 6 or at 6? I'll be at 5/6 at the end of the month on TU but at 6/6 on EX and just wanted to understand a bit better.
https://awardwallet.com/blog/understanding-rewards-credit-card-application-rules-restrictions/ -- simple guidelines

https://www.reddit.com/r/churning/comments/67u9q0/guide_antichurning_rules/ -- extensive guidelines

at least the first link is alittle outdated depending on citi card as some are 48 months vs. 24 months such as AA. otherwise accurate

Re: Citi 6/6 Rule

Anonymous — Wed, 09 Oct 2019 14:59:59 GMT

@CreditCuriosity wrote:
@Anonymous wrote:
@ToxikPH wrote:
I'm doing research on the 6/6 rule for Citi as they are my next planned card. Is the rule that you won't be approved above 6 or at 6? I'll be at 5/6 at the end of the month on TU but at 6/6 on EX and just wanted to understand a bit better.
https://awardwallet.com/blog/understanding-rewards-credit-card-application-rules-restrictions/ -- simple guidelines

https://www.reddit.com/r/churning/comments/67u9q0/guide_antichurning_rules/ -- extensive guidelines
at least the first link is alittle outdated depending on citi card as some are 48 months vs. 24 months such as AA. otherwise accurate

True, but it's a baseline quick table to look at. If you're doing your homework on a card you should also be reading the T&C's for the card you're after. The most up to date info is on the app page.

Re: Citi 6/6 Rule

Anonymous — Wed, 09 Oct 2019 15:02:53 GMT

The second link talks about 6/6 and I'm curious about if that's per bureau or total. It has never been made clear that I have seen.

Re: Does Citi Double Pull..?

Anonymous — Wed, 09 Oct 2019 15:37:23 GMT

Applied for the simplicity Jan 19, only had 1 HP on EQ. Score at the time was 772

Re: Does Citi Double Pull..?

calyx — Wed, 09 Oct 2019 15:44:35 GMT

My Citi pull last year was a double - EQ & EX. It was for their secured product (so, obviously, my file wasn't so hot back then )

Re: Citi 6/6 Rule

Anonymous — Wed, 09 Oct 2019 15:57:25 GMT

@Anonymous wrote:
The second link talks about 6/6 and I'm curious about if that's per bureau or total. It has never been made clear that I have seen.

Knowing that they pull 2 CR's you need to make sure none of your reports show more than 6 inq's in the last 6 months.

Looking at my 2 card experiences I was averaging 3-5 per CR at the times that I applied. Now if they expanded the rule to 6/12 or 6/24 there would be a whole lot less approvals around here.

Outside of that you have the other specific issues with them to deal with depending on if you have a card with them already and whether you care about picking up a bonus with the new card.

Re: Citi 6/6 Rule

soxfaininfl — Wed, 09 Oct 2019 16:11:37 GMT

I applied for the Citi Double Cash rewards on 9/5/19(got denied due to my BK), and they did a double pull for me on EQ and EX.

Re: Citi 6/6 Rule

Anonymous — Wed, 09 Oct 2019 16:28:00 GMT

@Anonymous wrote:
@Anonymous wrote:
The second link talks about 6/6 and I'm curious about if that's per bureau or total. It has never been made clear that I have seen.
Knowing that they pull 2 CR's you need to make sure none of your reports show more than 6 inq's in the last 6 months.

Looking at my 2 card experiences I was averaging 3-5 per CR at the times that I applied. Now if they expanded the rule to 6/12 or 6/24 there would be a whole lot less approvals around here.

Outside of that you have the other specific issues with them to deal with depending on if you have a card with them already and whether you care about picking up a bonus with the new card.

Thanks. I figured it had to be per bureau, not total, based on how many people around here get Citi cards with tons of new accounts.

I don't have a lot of interest in most of Citi's cards except DC if I don't have a better 2% option in a year when my Disco match ends and possibly Best Buy when I go TV shopping next year.