topic Re: Citi Double Cash in Credit Cards

Citi Double Cash

ronstar7 — Tue, 07 Jun 2016 23:56:28 GMT

Hello everyone!

So excited I received my first pre select from a major bank. Now I'm in the garden, one of the cards I wanted was the Citi Double Cash card. Came home and saw the envelope. My reports are frozen and have been for quite some time now. Just for kicks however I opted in a few weeks ago to see if it might trigger some preapprovals. Today i saw it, has a specific apr not a range of apr's and the credit screening message on the bottom of the letter. I am in NY, do you know who they pull so I can unfreeze IF I choose to apply. Utl is 0, 1 baddie from 2011 which I'm sure hey saw since they soft pulled me and that's it. Scores in siggy are accurate as of today true ficos. But I thought you can't get preapprovals if your reports are frozen? Any and all feedback is greatly appreciated.

Re: Citi Double Cash

Anonymous — Wed, 08 Jun 2016 00:05:07 GMT

They pulled EX 629 and EQ 726 for me here in Virginia. Not sure about the frozen pulls though. Didn't get a great limit as my history isn't great but glad I got a chance at the card I really want to use on a daily basis.

-Sin

Re: Citi Double Cash

ronstar7 — Wed, 08 Jun 2016 01:29:18 GMT

Can anyone else chime in on the accuracy of the pre select and who they pull for NY?

Re: Citi Double Cash

ronstar7 — Wed, 08 Jun 2016 01:30:35 GMT

Wow so they double pull? That might be a deal breaker for me, I have 0 inq for the last 18 months getting 1 is already hard to stomach lol let alone 2!

Re: Citi Double Cash

Anonymous — Wed, 08 Jun 2016 01:44:52 GMT

@ronstar7 wrote:
Wow so they double pull? That might be a deal breaker for me, I have 0 inq for the last 18 months getting 1 is already hard to stomach lol let alone 2!

Yep. Unfortunatley from a lot of the posts I have read they double pull a lot of people. I guess it all depends on location and other factors, seeing as I'm not an underwriter I couldn't tell you :X. Either way best of luck if you decide to pull the trigger!!

-Sin

Re: Citi Double Cash

mongstradamus — Wed, 08 Jun 2016 01:45:45 GMT

@ronstar7 wrote:
Wow so they double pull? That might be a deal breaker for me, I have 0 inq for the last 18 months getting 1 is already hard to stomach lol let alone 2!

I am not NY but i am east coast as well, CT here. Both my citi cards were EX pulls.

Re: Citi Double Cash

Anonymous — Wed, 08 Jun 2016 01:49:15 GMT

@ronstar7 wrote:
Wow so they double pull? That might be a deal breaker for me, I have 0 inq for the last 18 months getting 1 is already hard to stomach lol let alone 2!

Double pulling means 1 inquiry on 2 different bureaus; you don't get 2 inquires on the same one so you still won't have more than 1 on any bureau. This shouldn't be a deal breaker for you.

I checked the credit pulls database for the DC card in NY and of the 6 people that reported on that card in the last 2 years, 4 of them had EX pulled and 2 of them had EQ pulled. None of the 6 mentioned getting double pulled / pulled by two different bureaus. I'd imagine the lower your score and/or the more negative information you may have on your file the greater the chance there is of a second pull, but that's just me speculating.

Re: Citi Double Cash

Anonymous — Wed, 08 Jun 2016 01:50:37 GMT

@Anonymous wrote:
They pulled EX 629 and EQ 726 for me here in Virginia.

Off topic here, but if you don't mind me asking why are your scores between those two bureaus nearly 100 points different?

Re: Citi Double Cash

RonM21 — Wed, 08 Jun 2016 02:09:35 GMT

For mine they pulled 2 different bureaus. I'm in PA. I don't recall who they pulled though. There is also a credit pulls data base you can research that may have that info.

Re: Citi Double Cash

Anonymous — Wed, 08 Jun 2016 02:27:35 GMT

@Anonymous wrote:
@ronstar7 wrote:
Wow so they double pull? That might be a deal breaker for me, I have 0 inq for the last 18 months getting 1 is already hard to stomach lol let alone 2!
Double pulling means 1 inquiry on 2 different bureaus; you don't get 2 inquires on the same one so you still won't have more than 1 on any bureau. This shouldn't be a deal breaker for you.

I checked the credit pulls database for the DC card in NY and of the 6 people that reported on that card in the last 2 years, 4 of them had EX pulled and 2 of them had EQ pulled. None of the 6 mentioned getting double pulled / pulled by two different bureaus. I'd imagine the lower your score and/or the more negative information you may have on your file the greater the chance there is of a second pull, but that's just me speculating.

It's not so clearly defined. Chase and Citi both started double pulling me when my FICO scores were in the 830+s. Don't know why!

Re: Citi Double Cash

Anonymous — Wed, 08 Jun 2016 02:35:00 GMT

Interesting. I would think people that are more "on the cusp" generally speaking would get hit with the double pulls as to give the creditor twice the data. As you said though and that I suggested earlier, there certainly isn't any rule when it comes to this and/or anything related to creditors actions, really.

Re: Citi Double Cash

Anonymous — Wed, 08 Jun 2016 03:03:49 GMT

@Anonymous wrote:
@Anonymous wrote:
They pulled EX 629 and EQ 726 for me here in Virginia.

Off topic here, but if you don't mind me asking why are your scores between those two bureaus nearly 100 points different?

I still have no idea Brutal D:....looking at my reports the only thing that is different is that my EX is reporting I have "recently been looking for new credit". It might be that the applications I have had in the passed haven't pulled my EX.

-Sin

Re: Citi Double Cash

noobody — Wed, 08 Jun 2016 03:15:05 GMT

My Citi Premier application was double pulled on EX and EQ early last year.

My score was around 800 and live in New York

Re: Citi Double Cash

atarvuzdar — Wed, 08 Jun 2016 03:29:18 GMT

Double pull here as well. EX and EQ but honestly I would say I deserved it. That said, they instantly approved me for $15,000 and blew away my top limit card by a long shot so... It was totally worth it! I got the pre-screen mailing with the specific APR, as well, by the way.

Re: Citi Double Cash

Anonymous — Wed, 08 Jun 2016 03:31:59 GMT

@atarvuzdar wrote:
Double pull here as well. EX and EQ but honestly I would say I deserved it. That said, they instantly approved me for $15,000 and blew away my top limit card by a long shot so... It was totally worth it! I got the pre-screen mailing with the specific APR, as well, by the way.

WoW nice CL O_O. So jealous D:. Hoping I didn't app for a card that will be my primary everyday card too early!

-Sin

Re: Citi Double Cash

Anonymous — Wed, 08 Jun 2016 03:50:05 GMT

I had a single HP on Experian. I live in Texas. My FICO 8 at the time was 758.

Re: Citi Double Cash

CreditMagic7 — Wed, 08 Jun 2016 04:20:10 GMT

Also have experienced double pulls from Citi and Chase both.

In fact matters are poised, and i've already made a provision for (2) new INQ's when i go for a second Citi card sometime soon.

Re: Citi Double Cash

txbusted — Wed, 08 Jun 2016 09:21:19 GMT

EX pull for me in TX. My score was 630ish at the time. Preapproval as well. $700 limit which is low but I got my foot in the door.

Re: Citi Double Cash

Closingracer99 — Wed, 08 Jun 2016 16:31:14 GMT

@ronstar7 wrote:
Wow so they double pull? That might be a deal breaker for me, I have 0 inq for the last 18 months getting 1 is already hard to stomach lol let alone 2!

I took single pulls on my last 3 cards with citi. did get doubled pulled for the DC but that was in May 2015. I got single pulled on the Hilton, AA plat and Ty premier. All was on EQ.

Re: Citi Double Cash

Closingracer99 — Wed, 08 Jun 2016 16:32:24 GMT

@mongstradamus wrote:
@ronstar7 wrote:
Wow so they double pull? That might be a deal breaker for me, I have 0 inq for the last 18 months getting 1 is already hard to stomach lol let alone 2!
I am not NY but i am east coast as well, CT here. Both my citi cards were EX pulls.

I am NY ( Brooklyn to be exact if that matters lol) and they have always pulled EQ for me on my single pulls for CLI's or apps for new cards. They double pulled me for the DC only and was with EQ and TU i believe for me.