topic Re: Datapoint: Citi DC Card in Credit Card Applications

Datapoint: Citi DC Card

Anonymous — Thu, 22 Oct 2015 00:10:13 GMT

I applied for the Citi Double Cash card and they denied me for too many inquries, pulled Experian and Equifax, letter mentioned Equifax, 24/22 inquiries respectively. Time to garden.

Re: Datapoint: Citi DC Card

kdm31091 — Thu, 22 Oct 2015 00:31:36 GMT

@Anonymous wrote:
I applied for the Citi Double Cash card and they denied me for too many inquries, pulled Experian and Equifax, letter mentioned Equifax, 24/22 inquiries respectively. Time to garden.

That is a lot of inquiries. Citi can be inquiry sensitive, and the Double Cash is definitely one of their "tighter" products i.e. not as easy to get and usually lower than average starting limits.

I'd just garden 6 months and then try again. That can work wonders.

Re: Datapoint: Citi DC Card

CreditMagic7 — Thu, 22 Oct 2015 01:18:01 GMT

@Anonymous wrote:
I applied for the Citi Double Cash card and they denied me for too many inquries, pulled Experian and Equifax, letter mentioned Equifax, 24/22 inquiries respectively. Time to garden.

Even half of that stated amount for Citi could produce a denial so yeah that many is way over the top IMHO with them for DC.

Re: Datapoint: Citi DC Card

Discover2016 — Thu, 22 Oct 2015 02:14:16 GMT

When I got my DC I had 5 inquiries on my Exp, and 9 when I got my Premier. From what people have posted, around 10 is when Citi balks usually but ymmv.

Re: Datapoint: Citi DC Card

Anonymous — Thu, 22 Oct 2015 02:44:49 GMT

I got lucky because I got a mailer with an offer. I have about 10 on each.

Re: Datapoint: Citi DC Card

fury1995 — Thu, 22 Oct 2015 11:47:54 GMT

Citi is not nearly as sensitive to inquiries as everyone believes. There is another reason they declined the app, there usually is. The inquiries were the excuse.

This specific topic regarding Citi was discussed elsewhere at length and in depth regarding Citi and inquiries when Double Cash launched and was the hot new thing.

Look closer at your reports, they do.

Re: Datapoint: Citi DC Card

ojefferyo — Thu, 22 Oct 2015 16:52:52 GMT

@Anonymous wrote:
I applied for the Citi Double Cash card and they denied me for too many inquries, pulled Experian and Equifax, letter mentioned Equifax, 24/22 inquiries respectively. Time to garden.

I had 20 inq on my EQ when I applied for the Thank You Premier and I was approved. Maybe there was something else they saw and used the inquiry excuse.