topic Can you have 2 Citi Double Cash Cards? in Credit Cards

Can you have 2 Citi Double Cash Cards?

Anonymous — Fri, 21 Oct 2016 15:52:11 GMT

Are you allowed to have 2 Citi Double Cash Cards?

Why? Short version of the story: Mine is 28% interest. I defaulted on a payment 1 time in 2012. I have been in good standing ever since. They refuse to lower it, even after multiple attempts. I sometimes need to carry a balance. I don't want to just close the account because it's 8 years old and has $10,000 limit.

Re: Can you have 2 Citi Double Cash Cards?

Gmood1 — Fri, 21 Oct 2016 16:01:00 GMT

Why not app for a card that's designed to carry balances? One with a low APR and little to no rewards. There are plenty of credit unions issuing CC's that will suit those who carry balances.

Re: Can you have 2 Citi Double Cash Cards?

Anonymous — Fri, 21 Oct 2016 17:28:56 GMT

Agree with Gmood1. I have a low interest / no rewards card with a CU. I would love to always get cash back on everything, but in an emergency where you have to carry, not paying a ton of interest is always better than the rewards you'll receive. The lowest I see with citi DC is over 14%. Even at 14 with 2% cashback, it doesn't beat a 7 -10% low interest card.

Re: Can you have 2 Citi Double Cash Cards?

AverageJoesCredit — Fri, 21 Oct 2016 17:30:09 GMT

Im with Gmood1, maybe better to get a card like slate thats good gor bts and just use your Dc for pif payments. Good luck

Re: Can you have 2 Citi Double Cash Cards?

happypill — Fri, 21 Oct 2016 18:21:43 GMT

Yes, agree with the other advice. A rewards card is almost never worth it if you ever carry any balance at all. The interest you pay will wipe out any rewards you get and then some. If you ever ever ever carry a balance, an no AF low APR card is definitely the way to go.

Re: Can you have 2 Citi Double Cash Cards?

mdd0214 — Fri, 21 Oct 2016 18:28:20 GMT

Yes I had one with a fairly low limit and didn't like the CLI they gave me after a year of use so I opened a second card, got a much higher SL. I closed the first card and within 2 months I got a CLI that was greater than the SL of the first card. Banks are weird. But you can have two of them. Citi will almost never combine accounts or reallocate CLs though.

Re: Can you have 2 Citi Double Cash Cards?

JSS3 — Fri, 21 Oct 2016 19:28:40 GMT

I have two Double Cash. I upgraded from Thank You Preferred and Dividend to get them. Did not apply.

Re: Can you have 2 Citi Double Cash Cards?

Anonymous — Fri, 21 Oct 2016 22:21:09 GMT

Great advice on here, as usual. Thanks everyone.

Re: Can you have 2 Citi Double Cash Cards?

Anonymous — Sat, 22 Oct 2016 02:46:33 GMT

I didn't realize that the DC was 8 years old. Time flies.

Re: Can you have 2 Citi Double Cash Cards?

lhcole77 — Sat, 22 Oct 2016 12:57:43 GMT

@Anonymous wrote:
I didn't realize that the DC was 8 years old. Time flies.

I think DC has only been around for 2, maybe 3 years tops.

OP--did you PC your card?

Re: Can you have 2 Citi Double Cash Cards?

Anonymous — Sat, 22 Oct 2016 14:52:59 GMT

Yes. It started out as a Diamond Preferred.

Re: Can you have 2 Citi Double Cash Cards?

Anonymous — Sat, 22 Oct 2016 15:03:54 GMT

@Gmood1 wrote:
Why not app for a card that's designed to carry balances? One with a low APR and little to no rewards. There are plenty of credit unions issuing CC's that will suit those who carry balances.

Good solution.