topic Re: Citi Double Cash in Credit Cards

Citi Double Cash

taxi818 — Mon, 06 Jul 2015 20:50:18 GMT

Hello all. After months and months of waiting to apply for a citi prime card. on the 4th of july i think. i finally got my first citi pre approval. on their website.

In Total they offered me about 7 credit cards. From simplicitiy. all the way to Premier. My mistake. not Prestige But all of them have said 22.99 Apr after the promo period. which in the case of simplicitiy it is 21 months. but The Double Cash is 12 months.

So today i get home and i have a pre selected offer in the mail. which drops the Apr 2 points down to 20.9 percent after 12 months. only for the double cash. and i have the selected invitation number. not sure if i should go for it. or wait longer like imperfect said. any advice from members with this card. I saw on my report. im down to 2 inquiries in the last 6 months. but 8 for the year. and 16 in the last 2 years. so im not sure if im a good candidate anyway. since it is pre selected i would think my chances are good. but i don't want some 1k limit. thanks again everyone. i have about 3k of balances i would like to transfer to a citi card. but im not in a rush.

Re: Citi Double Cash

Anonymous — Mon, 06 Jul 2015 20:40:14 GMT

@taxi818 wrote:
Hello all. After months and months of waiting to apply for a citi prime card. on the 4th of july i think. i finally got my first citi pre approval. on their website.
In Total they offered me about 7 credit cards. From simplicitiy. all the way to prestige. But all of them have said 22.99 Apr after the promo period. which in the case of simplicitiy it is 21 months. but The Double Cash is 12 months.
So today i get home and i have a pre selected offer in the mail. which drops the Apr 2 points down to 20.9 percent after 12 months. only for the double cash. and i have the selected invitation number. not sure if i should go for it. or wait longer like imperfect said. any advice from members with this card. I saw on my report. im down to 2 inquiries in the last 6 months. but 8 for the year. and 16 in the last 2 years. so im not sure if im a good candidate anyway. since it is pre selected i would think my chances are good. but i don't want some 1k limit. thanks again everyone. i have about 3k of balances i would like to transfer to a citi card. but im not in a rush.

Are you sure the Prestige said 22.99%? It's a set 15.24%

Re: Citi Double Cash

taxi818 — Mon, 06 Jul 2015 20:45:37 GMT

@Anonymous wrote:
@taxi818 wrote:
Hello all. After months and months of waiting to apply for a citi prime card. on the 4th of july i think. i finally got my first citi pre approval. on their website.
In Total they offered me about 7 credit cards. From simplicitiy. all the way to prestige. But all of them have said 22.99 Apr after the promo period. which in the case of simplicitiy it is 21 months. but The Double Cash is 12 months.
So today i get home and i have a pre selected offer in the mail. which drops the Apr 2 points down to 20.9 percent after 12 months. only for the double cash. and i have the selected invitation number. not sure if i should go for it. or wait longer like imperfect said. any advice from members with this card. I saw on my report. im down to 2 inquiries in the last 6 months. but 8 for the year. and 16 in the last 2 years. so im not sure if im a good candidate anyway. since it is pre selected i would think my chances are good. but i don't want some 1k limit. thanks again everyone. i have about 3k of balances i would like to transfer to a citi card. but im not in a rush.
Are you sure the Prestige said 22.99%? It's a set 15.24%

Not prestige. im looking now. i saved a screen shot. Its the premier.

Re: Citi Double Cash

Anonymous — Mon, 06 Jul 2015 20:48:19 GMT

Ok but you typed prestige, that's why I was confused :-). To answer your question I think you still should wait

Re: Citi Double Cash

taxi818 — Mon, 06 Jul 2015 20:49:26 GMT

@Anonymous wrote:
Ok but you typed prestige, that's why I was confused :-). To answer your question I think you still should wait

Ok. this offer is good until September 15th. no rush.

Re: Citi Double Cash

CreditCuriosity — Mon, 06 Jul 2015 20:58:55 GMT

Wait it out according to your original plan I know you want to apply, but you will get better apr offers and CL's if you wait another month or two

BTW congrats on Super Contributor .. New today?

Re: Citi Double Cash

taxi818 — Mon, 06 Jul 2015 21:01:16 GMT

@CreditCuriousity wrote:
Wait it out according to your original plan I know you want to apply, but you will get better apr offers and CL's if you wait another month or two

BTW congrats on Super Contributor .. New today?

Thanks CC. Well the apr did drop 2 points. from 22.99. to 20.99. lmao. still high as hell. but better. this all happened in 2 days. very fast.

As far as Super. i got it 2 days ago. on the 1 year anniversary of being at myfico. Thanks for the congrats.

Re: Citi Double Cash

Imperfectfuture — Mon, 06 Jul 2015 21:13:47 GMT

@taxi818 wrote:
@CreditCuriousity wrote:
Wait it out according to your original plan I know you want to apply, but you will get better apr offers and CL's if you wait another month or two

BTW congrats on Super Contributor .. New today?
Thanks CC. Well the apr did drop 2 points. from 22.99. to 20.99. lmao. still high as hell. but better. this all happened in 2 days. very fast.
As far as Super. i got it 2 days ago. on the 1 year anniversary of being at myfico. Thanks for the congrats.

It's based off your score and age of accounts. My active CU card turned two years, and my scores fluctuate between 735 and 746. I don't use Amex backdating. When the card turned two years, my offers changed to 14.99.

Re: Citi Double Cash

taxi818 — Mon, 06 Jul 2015 21:20:03 GMT

@Imperfectfuture wrote:
@taxi818 wrote:
@CreditCuriousity wrote:
Wait it out according to your original plan I know you want to apply, but you will get better apr offers and CL's if you wait another month or two

BTW congrats on Super Contributor .. New today?
Thanks CC. Well the apr did drop 2 points. from 22.99. to 20.99. lmao. still high as hell. but better. this all happened in 2 days. very fast.
As far as Super. i got it 2 days ago. on the 1 year anniversary of being at myfico. Thanks for the congrats.
It's based off your score and age of accounts. My active CU card turned two years, and my scores fluctuate between 735 and 746. I don't use Amex backdating. When the card turned two years, my offers changed to 14.99.

Really. this could be an issue for lower apr then. As my oldest account is 20 months old. hehehe. still four months until 2 years. and my AAoA is only 11 months. based on the number of accounts i have. so maybe i give it another 2 months. then jump all over it. or see if any new mailers will come in.as this is the first mailer. if not . i just want to get in the door with them. and in a couple of years apply for better rates. But i keep looking at that simplicity. even over the doulbe cash. That 21 months is a hard cookie to beat. 0% on BT and Purchases. The Double cash mailer looks good. But it is only 12 months. my Discover 0 percent will expire in october. so i really need another 0 percent card. I have the freedom. but it is only good until june 2016. and i have a low limit. 2k. so it will not do. i need something with 5k on to transfer the balance on my tiny cards. Thanks again. imperfectfuture for you help and all as well. its a conundrum to say the least. as ive been waiting to get in with citi. honestly i thought i would not get offers until next year sometime. as im barely over 700s. but my report became crystal clean a month ago. not a single negative. But my age of accounts is dragging me down.

Re: Citi Double Cash

FinStar — Mon, 06 Jul 2015 22:17:41 GMT

@Anonymous wrote:
Ok but you typed prestige, that's why I was confused :-). To answer your question I think you still should wait

Great advice here from Irish.

Now, one potential outcome which could possibly happen with Citi, there may be a tweak in some of the APR terms (perhaps favorably by +/- 4%) within the next couple months but based on your new accounts and recent inquiries,you may still not get a high SL (if approved). Even if you decide to reconsider or request a CLI once you get the card, it may not be much (again this is based on your most recent activities and taking the removal of the negatvies from your CRs but anything is possible).

Have your balances or tax obligations recently increased? I was just curious by the low APR cards you've been shopping for recently.

Did your NASA CC application get approved? What happened with your Macy's AMEX upgrade btw?

Re: Citi Double Cash

kdm31091 — Mon, 06 Jul 2015 22:29:12 GMT

Taxi. Its been 2 days lol you need to be patient!

Throw out the mailer and wait.

Re: Citi Double Cash

Anonymous — Mon, 06 Jul 2015 22:32:21 GMT

@FinStar wrote:
@Anonymous wrote:
Ok but you typed prestige, that's why I was confused :-). To answer your question I think you still should wait
Great advice here from Irish.

Now, one potential outcome which could possibly happen with Citi, there may be a tweak in some of the APR terms (perhaps favorably by +/- 4%) within the next couple months but based on your new accounts and recent inquiries,you may still not get a high SL (if approved). Even if you decide to reconsider or request a CLI once you get the card, it may not be much (again this is based on your most recent activities and taking the removal of the negatvies from your CRs but anything is possible).

Have your balances or tax obligations recently increased? I was just curious by the low APR cards you've been shopping for recently.

Did your NASA CC application get approved? What happened with your Macy's AMEX upgrade btw?

Was wondering about those as well.

Re: Citi Double Cash

FinStar — Mon, 06 Jul 2015 22:34:39 GMT

@kdm31091 wrote:
Taxi. Its been 2 days lol you need to be patient!

Throw out the mailer and wait.

Taxi... patient? That's like telling Creditaddict or Pizza not to apply for CCs lol

Re: Citi Double Cash

FinStar — Mon, 06 Jul 2015 22:36:07 GMT

@Anonymous wrote:
@FinStar wrote:
@Anonymous wrote:
Ok but you typed prestige, that's why I was confused :-). To answer your question I think you still should wait
Great advice here from Irish.

Now, one potential outcome which could possibly happen with Citi, there may be a tweak in some of the APR terms (perhaps favorably by +/- 4%) within the next couple months but based on your new accounts and recent inquiries,you may still not get a high SL (if approved). Even if you decide to reconsider or request a CLI once you get the card, it may not be much (again this is based on your most recent activities and taking the removal of the negatvies from your CRs but anything is possible).

Have your balances or tax obligations recently increased? I was just curious by the low APR cards you've been shopping for recently.

Did your NASA CC application get approved? What happened with your Macy's AMEX upgrade btw?
Was wondering about those as well.

And I was wondering if he took the bait on the BBVA AMEX as well since he'd been actively researching as well.

Re: Citi Double Cash

taxi818 — Mon, 06 Jul 2015 23:26:46 GMT

@FinStar wrote:
@Anonymous wrote:
Ok but you typed prestige, that's why I was confused :-). To answer your question I think you still should wait
Great advice here from Irish.

Now, one potential outcome which could possibly happen with Citi, there may be a tweak in some of the APR terms (perhaps favorably by +/- 4%) within the next couple months but based on your new accounts and recent inquiries,you may still not get a high SL (if approved). Even if you decide to reconsider or request a CLI once you get the card, it may not be much (again this is based on your most recent activities and taking the removal of the negatvies from your CRs but anything is possible).

Have your balances or tax obligations recently increased? I was just curious by the low APR cards you've been shopping for recently.

Did your NASA CC application get approved? What happened with your Macy's AMEX upgrade btw?

Yes. i agree with irish best to wait. and another yes that is potential. the real deal is i have been shopping for low apr cards. but i have not actually applied for any.

Answer to Fin. Yes. I got the amex upgrade. but i have yet to receive the card.

Nasa just sent me account info and debit card. but no on the credit card. as ive had too many accounts in the last two years. about 16.

About balances and taxes. nothing has changed. The main reason for shopping for a low card is for preperation for a 7 week trip to asia. i was going to leave in august but do to other obligations postponed it until late November early December. Im pretty sure after this long trip and multi country travel. I will have major balances. that will take me time to actually pay in full. therefore trying to get prepared for it before it actuallys happens. hence. have a low apr card and and 0 apr bt card as well. this will allow me to but all balances on 1 can as consolidation and not pay for multiple cards at once. i really don't need any extra limit as i have more than i would ever use now. but say as and example. i rack up another 10k in bills. Then i would carry half and pay half knowing that i would only have 4 months before uncle sam comes a calling again. This is it.

As far as Bbva. I did not apply as after reading about the horror stories about others. not like fin. I just decided i did not need a hassle. Citi and Boa are the last two major lenders i want to get in with. even if within the next two years. things just were progressing faster than i expected in this credit journey.At the same time im in no rush so even if i wait a year for citi or Boa . That is fine. I also agree ive gotten a lot of accounts in the last two years. But actually. The last 6 months. ive been pretty Tame as far as applying for things. As i said. only 2 actual inquiries in the last 6 months. and 8 in the last year. which is a lot. thanks all. to KD> already trashed the citi mailer.

Re: Citi Double Cash

FinStar — Tue, 07 Jul 2015 01:49:36 GMT

@taxi818 wrote:
@FinStar wrote:
@Anonymous wrote:
Ok but you typed prestige, that's why I was confused :-). To answer your question I think you still should wait
Great advice here from Irish.

Now, one potential outcome which could possibly happen with Citi, there may be a tweak in some of the APR terms (perhaps favorably by +/- 4%) within the next couple months but based on your new accounts and recent inquiries,you may still not get a high SL (if approved). Even if you decide to reconsider or request a CLI once you get the card, it may not be much (again this is based on your most recent activities and taking the removal of the negatvies from your CRs but anything is possible).

Have your balances or tax obligations recently increased? I was just curious by the low APR cards you've been shopping for recently.

Did your NASA CC application get approved? What happened with your Macy's AMEX upgrade btw?
Yes. i agree with irish best to wait. and another yes that is potential. the real deal is i have been shopping for low apr cards. but i have not actually applied for any.
Answer to Fin. Yes. I got the amex upgrade. but i have yet to receive the card.
Nasa just sent me account info and debit card. but no on the credit card. as ive had too many accounts in the last two years. about 16.
About balances and taxes. nothing has changed. The main reason for shopping for a low card is for preperation for a 7 week trip to asia. i was going to leave in august but do to other obligations postponed it until late November early December. Im pretty sure after this long trip and multi country travel. I will have major balances. that will take me time to actually pay in full. therefore trying to get prepared for it before it actuallys happens. hence. have a low apr card and and 0 apr bt card as well. this will allow me to but all balances on 1 can as consolidation and not pay for multiple cards at once. i really don't need any extra limit as i have more than i would ever use now. but say as and example. i rack up another 10k in bills. Then i would carry half and pay half knowing that i would only have 4 months before uncle sam comes a calling again. This is it.
As far as Bbva. I did not apply as after reading about the horror stories about others. not like fin. I just decided i did not need a hassle. Citi and Boa are the last two major lenders i want to get in with. even if within the next two years. things just were progressing faster than i expected in this credit journey.At the same time im in no rush so even if i wait a year for citi or Boa . That is fine. I also agree ive gotten a lot of accounts in the last two years. But actually. The last 6 months. ive been pretty Tame as far as applying for things. As i said. only 2 actual inquiries in the last 6 months. and 8 in the last year. which is a lot. thanks all. to KD> already trashed the citi mailer.

Sounds like you have a decent plan laid out for your upcoming trip to Asia plus it never hurts to be well-prepared (resources-wise) in anticipation or any large expenditures.

Sorry to hear about NASA and the CC. For sure I was thinking you would at least qualify for their CC but NASA has gotten a bit tighter on the UW since last year's "frenzy" - approvals still happen with high SLs but they are far and in-between these days (unlike last year). On the upside, congrats on your Macy's AMEX upgrade!

BOA and Citi should definitely be on your radar to round out the major lenders from your portfolio. Now, how are you with Barclays? Have you had any experience/relationship with them in the past? I didn't see any CC's in your signature (thinking of low APR CCs). Also, what are you planning on flying to Asia (or which carrier do you usually prefer?).

Re: Citi Double Cash

Anonymous — Tue, 07 Jul 2015 01:52:46 GMT

@CreditCuriousity wrote:
Wait it out according to your original plan I know you want to apply, but you will get better apr offers and CL's if you wait another month or two

BTW congrats on Super Contributor .. New today?

Hey! You're encouraging somebody not to apply? What's up with that?

Re: Citi Double Cash

taxi818 — Tue, 07 Jul 2015 02:23:40 GMT

@FinStar wrote:
@taxi818 wrote:
@FinStar wrote:
@Anonymous wrote:
Ok but you typed prestige, that's why I was confused :-). To answer your question I think you still should wait
Great advice here from Irish.

Now, one potential outcome which could possibly happen with Citi, there may be a tweak in some of the APR terms (perhaps favorably by +/- 4%) within the next couple months but based on your new accounts and recent inquiries,you may still not get a high SL (if approved). Even if you decide to reconsider or request a CLI once you get the card, it may not be much (again this is based on your most recent activities and taking the removal of the negatvies from your CRs but anything is possible).

Have your balances or tax obligations recently increased? I was just curious by the low APR cards you've been shopping for recently.

Did your NASA CC application get approved? What happened with your Macy's AMEX upgrade btw?
Yes. i agree with irish best to wait. and another yes that is potential. the real deal is i have been shopping for low apr cards. but i have not actually applied for any.
Answer to Fin. Yes. I got the amex upgrade. but i have yet to receive the card.
Nasa just sent me account info and debit card. but no on the credit card. as ive had too many accounts in the last two years. about 16.
About balances and taxes. nothing has changed. The main reason for shopping for a low card is for preperation for a 7 week trip to asia. i was going to leave in august but do to other obligations postponed it until late November early December. Im pretty sure after this long trip and multi country travel. I will have major balances. that will take me time to actually pay in full. therefore trying to get prepared for it before it actuallys happens. hence. have a low apr card and and 0 apr bt card as well. this will allow me to but all balances on 1 can as consolidation and not pay for multiple cards at once. i really don't need any extra limit as i have more than i would ever use now. but say as and example. i rack up another 10k in bills. Then i would carry half and pay half knowing that i would only have 4 months before uncle sam comes a calling again. This is it.
As far as Bbva. I did not apply as after reading about the horror stories about others. not like fin. I just decided i did not need a hassle. Citi and Boa are the last two major lenders i want to get in with. even if within the next two years. things just were progressing faster than i expected in this credit journey.At the same time im in no rush so even if i wait a year for citi or Boa . That is fine. I also agree ive gotten a lot of accounts in the last two years. But actually. The last 6 months. ive been pretty Tame as far as applying for things. As i said. only 2 actual inquiries in the last 6 months. and 8 in the last year. which is a lot. thanks all. to KD> already trashed the citi mailer.
Sounds like you have a decent plan laid out for your upcoming trip to Asia plus it never hurts to be well-prepared (resources-wise) in anticipation or any large expenditures.

Sorry to hear about NASA and the CC. For sure I was thinking you would at least qualify for their CC but NASA has gotten a bit tighter on the UW since last year's "frenzy" - approvals still happen with high SLs but they are far and in-between these days (unlike last year). On the upside, congrats on your Macy's AMEX upgrade!

BOA and Citi should definitely be on your radar to round out the major lenders from your portfolio. Now, how are you with Barclays? Have you had any experience/relationship with them in the past? I didn't see any CC's in your signature (thinking of low APR CCs). Also, what are you planning on flying to Asia (or which carrier do you usually prefer?).

Well Nasa for sure was a SP. even though i was instant approved for membership. it was worth a shot. but im not upset about that at all. macys amex is only 3k. but that is ok it was also Sp. Im not really a fan of Boa. as when they were nationsbank years ago. so they will be last.It appears citi is the hardest card ive tried to get up to now. thats why i was excited to finally get a pre approval then get a mailer. so i must be doing something right. As Far as Barclays is concerned. I do have a relationship with them already. I have my apple card for about a year now. Current limit is $5410. (strange). but they have been great. Started with 2k. then 4 months later 3500. then 5 months another 1910. hmm. Im a huge Apple guy. Iphone6. Ipad air. and apple watch. so i use it all the time. mostly for itunes. which i just earned a free $25. gift card. As far as flying. I will fly to Hong Kong Via Delta. Ive been there before and have many many friends in Asia. as well as a Daughter in the Philippines. . That is why i was happy to get in with amex. but after using. and getting my limit to 10k. ive really not used it much. as im not happy with the way i earn miles on it. 1 mile for everything except delta. But i have about 50k miles on it now. and will use it to make my flight a little cheaper. so maybe now you understand. why i have been shopping around for low Apr cards.

I currently have 2. My Gte credit card. 9.9 Apr. but low limit. 4k..Of course DinersClub. at 13.15 Apr. but low limit. 5k. which i have used to pay taxes. so that is a no go. But Combined limits on Bank Cards at about 100k. Current Utilization is about 8%. but I will bring that down long before i leave. and be at about 3%. now that i ve learned from everyone here about what to do . I really on need time under my belt for my scores to thrive. so im excited. just wondering. If i do app on that citi. is it possible to recon the starting limit with them?. I do have a Home Depot. 7k. and a Best buy mastercard. 4k. but i know they are too happy to run another hp. just wondering.

Re: Citi Double Cash

CreditCuriosity — Tue, 07 Jul 2015 02:30:43 GMT

@Anonymous wrote:
@CreditCuriousity wrote:
Wait it out according to your original plan I know you want to apply, but you will get better apr offers and CL's if you wait another month or two

BTW congrats on Super Contributor .. New today?
Hey! You're encouraging somebody not to apply? What's up with that?

Different folks, different strokes ... I gotta break you so I don't feel guilty about my two recent approval of Cap1

Re: Citi Double Cash

-Cain- — Tue, 07 Jul 2015 02:35:36 GMT

Waiting should net you better APR, I've been getting Diamond and Simplicity mailers forever at 19.99, then out of nowhere the double cash mailer came in at 12.99, 0 for 18 months. I applied and got those terms, albeit a low CL of $1.2k. I will recon that limit next week after other CLIs post to my reports, but from what I've read Citi doesn't really give out big CL on the double cash anyway.

Oh, and I got another mailer today for Diamond Preferred at 19.99, lol.