topic Citi Custom Cash shot? in Credit Cards

Citi Custom Cash shot?

IcyCool7227 — Sun, 06 Apr 2025 13:00:34 GMT

Is a third Citi card in a row with no other inqs in the past year besides the Citi ones on Jan. 10 and Jan. 20 to his year a good chance of approval? It is way past 65 days since the last card I was approved for which as the Rewards +. I have a big expensives phone purchase coming up so it can easily meet another SUB. The Citi Custom Cash looks enticing not just for the SUB, but 5.5% w/ Rewards + for any top category spend. Sounds sweet for long term card use. It doesn't even have to be the same category each month either. Citi Strata I might consider at a lot later point in the next few years as I don't do a whole lot of traveling right now. And Citi Shop Your Way's last promo just ended but most of their offers are spending huge amounts which I don't have a lot of income for so I will wait on that until maybe next year or so.

I was just trying to find data points on ppl getting approved for a third Citi card and only found one but he also had a business card so that's not entirely accurate. It's only been a little over 2 months since the last inquiry. The only other inquiry I have on EXP is Chase but that is over a year ago. I am sitting on a 768 EXP score which did not change even though it's updated reflect the over $122 in payments on the last card that came out (guess the amount wasn't significant enough to raise a FICO point but it did raise one point in CK Equifax) and an 809 Citi Bankcard score. Do I have a shot on getting approved for Citi custom cash or should I be waiting in the garden? I certainly don't want to waste a HP and as always thanks for any help you can give.

Re: Citi Custom Cash shot?

Kforce — Sun, 06 Apr 2025 16:46:56 GMT

Your guess is just as accurate as any of ours.

You are a +5 year member.

Re: Citi Custom Cash shot?

IcyCool7227 — Sun, 06 Apr 2025 16:48:50 GMT

Has anyone here applied for 3 Citi personal credit cards in a row (no other issuers) abiding by the timelines of course?

Re: Citi Custom Cash shot?

GZG — Sun, 06 Apr 2025 18:19:41 GMT

have you tried the pre-qualification tool?

https://online.citi.com/US/ag/cards/pre-screen

Re: Citi Custom Cash shot?

ptatohed — Mon, 07 Apr 2025 01:38:04 GMT

Did you apply for both your CCs? I thought you could only PC to a second (and third?) CC.

Re: Citi Custom Cash shot?

IcyCool7227 — Mon, 07 Apr 2025 01:44:09 GMT

I am replying to the last two responses here. I did check the prequalified offers the other day and it said nothing was available, but it also says it doesn't mean you can't get approved.

I have both the Citi Double Cash and Rewards+ so far.

Re: Citi Custom Cash shot?

ptatohed — Mon, 07 Apr 2025 03:45:47 GMT

@IcyCool7227 wrote:
I am replying to the last two responses here. I did check the prequalified offers the other day and it said nothing was available, but it also says it doesn't mean you can't get approved.

I have both the Citi Double Cash and Rewards+ so far.

I apologize, I thought I read that you have two citi CCs (Custom Cashes) and you want a 3rd CC. My bad.

Re: Citi Custom Cash shot?

Lou-natic — Mon, 07 Apr 2025 13:56:50 GMT

@IcyCool7227 wrote:
I am replying to the last two responses here. I did check the prequalified offers the other day and it said nothing was available, but it also says it doesn't mean you can't get approved.

I have both the Citi Double Cash and Rewards+ so far.

I'd apply for it. You're overthinking this.

I'd say the only "worry" you could have is if you are already at the maximum exposure they're willing to extend to you right now. That's the position I'm in with 3 cards with total limits of $37,500. As of right now I can't get any CLIs anymore and their reason was current total exposure. This would make me hesitant to apply for another Citi card but if you don't have this problem just go for it.

Re: Citi Custom Cash shot?

IcyCool7227 — Tue, 08 Apr 2025 01:26:07 GMT

Ok so I bit the bullet a little before 1:30 am CST today and got approved for my highest limit ever of $9,200! But then when I went to apply for Amex BCE w/ a referral link I got denied because of too many new bankcard accounts. I'm going to post a thread detailing further as I'm not sure what to do with the last card I want to apply for which is Discover.

Re: Citi Custom Cash shot?

Gregarious — Tue, 08 Apr 2025 02:01:00 GMT

So congrats on getting the Custom Cash! But a few quick thoughts:

1. You have 3 new Citi approvals (and the inquiries from each) and you applied for Amex too? Hopefully you only had the soft pull decline instead of another hard pull. That's a lot of velocity for your profile, and I'd suggest you garden for at least 3 and preferably 6 months before you try Amex again.

2. If you already have the Discover Cashback, what other Discover would you want? Unless you are in starter credit or credit rebuild mode (or seeking a balance transfer while waiting for a guaranteed cash infusion paying out inside of 12 months), I see no reason to get any other Discover card.

Re: Citi Custom Cash shot?

IcyCool7227 — Tue, 08 Apr 2025 02:16:27 GMT

@Gregarious wrote:
So congrats on getting the Custom Cash! But a few quick thoughts:

1. You have 3 new Citi approvals (and the inquiries from each) and you applied for Amex too? Hopefully you only had the soft pull decline instead of another hard pull. That's a lot of velocity for your profile, and I'd suggest you garden for at least 3 and preferably 6 months before you try Amex again.
2. If you already have the Discover Cashback, what other Discover would you want? Unless you are in starter credit or credit rebuild mode (or seeking a balance transfer while waiting for a guaranteed cash infusion paying out inside of 12 months), I see no reason to get any other Discover card.

I wanted the Amex to get the 3% for the online shopping while using up most of that $2k SUB (which is massive to me compared to the $500 one by Chase FF). I could have put my new Xiaomi 15 Ultra global phone purchase of around $1,500 on it and then the last $500 could be for general spend. Another minor reason is that it's cool to see how a new, prime credit system website/app (well new to me) looks/works.

I am (well now used to be) an AU on the Discover It and want my own. I like the double Amazon cashback around Cyber Monday and wanted to take advantage of that as it's when I do most of my pricier online shopping, plus I can get a $100 referral bonus.