topic Citi Custom Cash DP’s in Credit Card Applications

Citi Custom Cash DP’s

Anonymous — Fri, 13 Aug 2021 15:01:17 GMT

Hello Credit Warriors!!

I am very interested in this card with the promo but mainly the cash back. It's a great general cash back card to have.

What CB does Citi normally pull? Are they sensitive to anything in particular? Are the SL'S decent? Are CLI's soft pulls in the future?

My credit information is below

EXP 721 FICO 08 with 3 inquiries 5 new accounts in the last year

Equifax 740 FICO 08 with 2 inquiries 5 new accounts in last year

Transunion 755 FICO 08 2 inquiries 5 new accounts in last year

Re: Citi Custom Cash DP’s

calyx — Fri, 13 Aug 2021 15:12:20 GMT

Citi really likes EQ but has been known to double pull.
Typically, Citi allows soft pull CLIs every 180days (the language will tell you HP or SP).

They don't like a lot of recent accounts and as a current account holder I was approved at 0/6 & 2/12.

As for "decent" SL - that's pretty subjective and it will be very much profile dependent.

I don't know what your ?/6 is, but at 5/12, I wouldn't be going for it.

Re: Citi Custom Cash DP’s

Anonymous — Sat, 28 Aug 2021 05:21:41 GMT

@calyx wrote:
Citi really likes EQ but has been known to double pull.
Typically, Citi allows soft pull CLIs every 180days (the language will tell you HP or SP).

They don't like a lot of recent accounts and as a current account holder I was approved at 0/6 & 2/12.

As for "decent" SL - that's pretty subjective and it will be very much profile dependent.

I don't know what your ?/6 is, but at 5/12, I wouldn't be going for it.

+1 to all of the above. 5/12 may be a bit much.

Re: Citi Custom Cash DP’s

Anonymous — Fri, 13 Aug 2021 18:39:40 GMT

My mom got approved for the doublecash yesterday after getting an "preapproved" letter in the mail.

She got double pull equifax and experian (she was at 714 and 670 at time of pull). She only have 4 cards open in her name with low limits (under 1k each). Got approved for $500.

She is an AU on a few of mine with limits over 5k but I guess citi don't care about that.

She had 4 hp on experian and 2 on the last year on equifax.

Re: Citi Custom Cash DP’s

PullingMeSoftly — Fri, 13 Aug 2021 18:43:50 GMT

Great card to be interested in @Anonymous

Pulled EX for me, and I was approved at 0/12 new accounts, and 1/12 inq's. EX8 was 850 at the time of the application. I was initially denied due to the 1 inq which was within 5 days of applying. That was a huge no no for Citi, and required escalation to the EO, and then was approved.

Highest SL from DP's I've seen is $19K (one of our moderators here), but aside from that lone DP, the highest SL among mere mortals appears to be $9.9K. CLI's with Citi tend to be SP's when requests are made at 6-month intervals and you see SP language.

Be sure to check with a branch for the $300 SUB (with $1000/90 spend) as that promotion was extended at least once since launch.

Re: Citi Custom Cash DP’s

Wavester64 — Fri, 13 Aug 2021 19:25:20 GMT

@Anonymous wrote:
Hello Credit Warriors!!

I am very interested in this card with the promo but mainly the cash back. It's a great general cash back card to have.

What CB does Citi normally pull? Are they sensitive to anything in particular? Are the SL'S decent? Are CLI's soft pulls in the future?

My credit information is below

EXP 721 FICO 08 with 3 inquiries 5 new accounts in the last year
Equifax 740 FICO 08 with 2 inquiries 5 new accounts in last year
Transunion 755 FICO 08 2 inquiries 5 new accounts in last year

For me they seem pull EX. They did for both Citi-Costco (Approved) and Citi Double Cash (Denied).

From what read they are sensitive to x/6 in both New accounts and INQs.

August 30th I am going to give it a go since I will be 0/6 in New Accounts and INQs on that date.

Re: Citi Custom Cash DP’s

Anonymous — Fri, 13 Aug 2021 19:58:52 GMT

THANKS to everyone who took the time and replied. I think I will for sure wait a little while for some aging of the new accounts.

Thanks again for all the input!!

Re: Citi Custom Cash DP’s

Mr_Mojo_Risin — Fri, 13 Aug 2021 20:27:10 GMT

Citi pulled EX BC8 for me, it was 764, I believe and I'm in OH.

I was 1/6 and 3/12 AAOA at the time was 1yr11m.

My SL was 4.5K

Re: Citi Custom Cash DP’s

Anonymous — Fri, 13 Aug 2021 23:11:01 GMT

Does Citi not "round up" in counting new inquiries/accounts within 6 months? I know Chase "rounds up" for its 5/24 rule - i.e., it's not actually 24 months, it's 24-25 months (basically the first day of the first month after a full 24 months have elapsed - so, if the last new account was opened on the 30th or 31st of a month, then the 5/24 rule would require waiting just 24 months plus 1/2 days; but if the last new account was opened on the 1st of a month, then the 5/24 rule would require waiting a full 25 months).

Re: Citi Custom Cash DP’s

Wavester64 — Sat, 14 Aug 2021 15:19:08 GMT

@Anonymous wrote:
Does Citi not "round up" in counting new inquiries/accounts within 6 months? I know Chase "rounds up" for its 5/24 rule - i.e., it's not actually 24 months, it's 24-25 months (basically the first day of the first month after a full 24 months have elapsed - so, if the last new account was opened on the 30th or 31st of a month, then the 5/24 rule would require waiting just 24 months plus 1/2 days; but if the last new account was opened on the 1st of a month, then the 5/24 rule would require waiting a full 25 months).

Thanks @Anonymous Because of your post I am going to wait the additional 2-days and try on 9/1 instead if 8/30 (unless I chicken out since 5/12 concerns me lol, lets hope they only worry about x/6)