topic Re: I want to apply for a CITI double cash credit card, what are the suggestions in Credit Cards

I want to apply for a CITI double cash credit card, what are the suggestions

Anonymous — Fri, 03 Mar 2017 00:40:01 GMT

Hi All,

I want to apply for a CITI double cash credit card, what is the initial credit limit that CITI is gonna give me and will there be any auto credit limit increase for every 6 months ?

I have a credit history of 2 years with the following credit scores.

T.U : Mar'16 (648) -> Mar'17 (747)

E.F : Mar'16 (655) -> Mar'17 (755)

Exp: Mar'16 (630) -> Mar'17 (761)

Total credit limits: Amex(11k) + Capital one (3k) + Barclays (1.3k) = 15.3k , I'm like obsessed with having higher credit limits, i want to improve my total credit limit to 100k - 150k in the next 2 years, any suggestions are welcome.

-Thank you

Re: I want to apply for a CITI double cash credit card, what are the suggestions

Anonymous — Fri, 03 Mar 2017 00:58:04 GMT

Hello Amar89. I received one with a 1k SL. 3 months later requested a SP CLI and went to 2.5k. Good luck 👍🍀

Re: I want to apply for a CITI double cash credit card, what are the suggestions

Anonymous — Fri, 03 Mar 2017 00:58:55 GMT

And welcome to the forum.

Re: I want to apply for a CITI double cash credit card, what are the suggestions

Anonymous — Fri, 03 Mar 2017 01:00:00 GMT

We cannot guess your SL from only your scores.
However, I think you have a good chance of approval.

Re: I want to apply for a CITI double cash credit card, what are the suggestions

kdm31091 — Fri, 03 Mar 2017 01:01:15 GMT

Your scores look pretty good for an approval, but nobody can guess your starting limit or how future CLIs will go.

I will say that across the board Citi tends to be stingy with the Double Cash card so don't be surprised if you get approved for 3-5k. Just how it goes with this card most of the time.

Re: I want to apply for a CITI double cash credit card, what are the suggestions

Anonymous — Fri, 03 Mar 2017 01:23:22 GMT

How did You get such a jump on your scores in 1 year? I'm sitting at a 673 and would love to get into the 700s. I have limited open accounts. CapOne for 3K and a Citi for 1K. Should I be applying for more cards to up my limits?

Re: I want to apply for a CITI double cash credit card, what are the suggestions

Credit_hawk — Fri, 03 Mar 2017 01:42:21 GMT

Prob not getting anything big with the DC at first. Prob $3-5k starting limit but call them and ask for a manual pull for a CLI. Then you'll have a decent limit

Re: I want to apply for a CITI double cash credit card, what are the suggestions

newhis — Fri, 03 Mar 2017 02:02:09 GMT

@Anonymous wrote:
How did You get such a jump on your scores in 1 year? I'm sitting at a 673 and would love to get into the 700s. I have limited open accounts. CapOne for 3K and a Citi for 1K. Should I be applying for more cards to up my limits?

If you don't have an open loan, you can try the share secured loan technique, it could give you up to 30 points. See here

You may try to report 1 card at $0 balance and the other only small balance (it could be $10) to get a better score.

Re: I want to apply for a CITI double cash credit card, what are the suggestions

Anonymous — Sun, 05 Mar 2017 09:55:47 GMT

I applied for a double cash card in 2015. At the time my oldest card was only 13 months and my score was 701. I was approved for a $3000 limit, so I would think you would get north of that.

Re: I want to apply for a CITI double cash credit card, what are the suggestions

Anonymous — Sun, 05 Mar 2017 10:53:10 GMT

@newhis wrote:
@Anonymous wrote:
How did You get such a jump on your scores in 1 year? I'm sitting at a 673 and would love to get into the 700s. I have limited open accounts. CapOne for 3K and a Citi for 1K. Should I be applying for more cards to up my limits?
If you don't have an open loan, you can try the share secured loan technique, it could give you up to 30 points. See here
You may try to report 1 card at $0 balance and the other only small balance (it could be $10) to get a better score.

This is a great advice.

Re: I want to apply for a CITI double cash credit card, what are the suggestions

Anonymous — Sun, 05 Mar 2017 21:10:15 GMT

I applied in March of 2016 and got a $2500 limit. I asked for a CLI after a few months and got it up to $3500. In January I asked for another CLI and Citi came back at $5,000. I turned it down and asked for $10,000 and they approved it a few days later.

Re: I want to apply for a CITI double cash credit card, what are the suggestions

Anonymous — Mon, 06 Mar 2017 00:48:01 GMT

@Anonymous wrote:
Hi All,

I want to apply for a CITI double cash credit card, what is the initial credit limit that CITI is gonna give me and will there be any auto credit limit increase for every 6 months ?

I have a credit history of 2 years with the following credit scores.

T.U : Mar'16 (648) -> Mar'17 (747)
E.F : Mar'16 (655) -> Mar'17 (755)
Exp: Mar'16 (630) -> Mar'17 (761)

Total credit limits: Amex(11k) + Capital one (3k) + Barclays (1.3k) = 15.3k , I'm like obsessed with having higher credit limits, i want to improve my total credit limit to 100k - 150k in the next 2 years, any suggestions are welcome.

-Thank you

With those scores, I don't see a reason why you wouldn't get approved. That being said, I don't know if I've ever heard of a high SL with Citi DC. Whatever your SL is, take it happily and in 6 months, they'll likely double it, like they did in my case.

Re: I want to apply for a CITI double cash credit card, what are the suggestions

Anonymous — Fri, 10 Mar 2017 00:42:18 GMT

Hi Javause,

I have used my first credit card which is like $1300 for everyday purchases (lunches, gas,transport etc..) and after that i applied for amex and they gave me $2k and raised to 5k within 3 months and then after that 11k without single hard pulls. Then i applied for capitalone they gave me $500 in the begining and after my usage they raised it to 3k without any hard pulls, 4 times increment without hard pulls will make your score to jump.

-Thanks