Citi Dc Sp language cli

[AverageJoesCredit]

Evening my fellow ficoers

Hope everyones Christmas is going well. Just felt like sharing recent experience with my Citi Double Cash card.

After having this card for about 9 months i FINALLY got the sp language, ( hey @ Noxqs, yeah yeah!). Figured why not , nothin to lose. Well even though my last Citi fico jumped up 40 points from last month, got a big no , unable to give instant decision.

Received the letter yesterday, said i was at max they can give me across all Citi backed cards without using a hp. Funny, only $1200 limit. This doesnt give me any hope for the future of this card for a couple reasons. One, im not sure if my chargeoff has hit my orher 2 reports ( if so, gonna be a bleak time in cli land ) and 2, i have about $14,000 in total credit available in my other 3 Citi backed cards. Considering i dont envision my income improving anytime soon, seems im at an end game with Citi.

Only possible solution i aee is i may end up closing 1 or 2 of the other cards in near future. Ive already decided if anyone clds me before i have chance to work off my new baddie, they will be hitting the chopping block sooner than expected.

For now gonna sd my Dc has im going to use my Discover exclusively for next yeat anyhow. Anyhoo, just wanted share my experience with my Dc. Cant believe we are coming up on 2017 this week. Stay safe and my best to all myfico Fam

[Anonymous]

 Have a question on double cash back card, How do you get the second 1 percent on purchases?   Do you only get it if you let it report on monthly statement or you get it everytime you pay??? Is double cash card crappy always been wanting to app fir it but 🤔?!

[credit_endurance]

I had a similar thing happen to me the other day got the sp language in which had never seen appear so thought I would give it a shot and it came back denied with a letter coming in the mail as of thier decision. 

Some data points: Opened card up in late July approved with $1200 SL scores at the time where in the low 700 range clean report  provides alot of usage through it the first 4 months and pif. Looking over my statements I believe only 5 have cut so far but have had the card for 6 months maybe give them another hit up next if no cli by then I may just consider closing this card as well.

[AverageJoesCredit]

Hi MrSnorling29, i believe the 1% is automatic and once you make payment thats your 2%. Im no expert on cutting statements etc , there are many here who probably have this card down to a science lol. I actually put some nice spend on my first 6 months, not like some high rollers but enough to warrant the 1200 sl lol.

@bruised, with a clean report and 700s give it a little more time perhaps they will like your profile better

[credit_endurance]

Thanks for the encouragement averagejoe's!  Just looked over my statement history and indeed only 5 have cut thus far I'm thinking I did hit the button to early. I will certainly try again next month.

[Anonymous]

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@AverageJoesCredit wrote:
Evening my fellow ficoers

Hope everyones Christmas is going well. Just felt like sharing recent experience with my Citi Double Cash card.

@After having this card for about 9 months i FINALLY got the sp language, ( hey @ Noxqs, yeah yeah!). Figured why not , nothin to lose. Well even though my last Citi fico jumped up 40 points from last month, got a big no , unable to give instant decision.

Received the letter yesterday, said i was at max they can give me across all Citi backed cards without using a hp. Funny, only $1200 limit. This doesnt give me any hope for the future of this card for a couple reasons. One, im not sure if my chargeoff has hit my orher 2 reports ( if so, gonna be a bleak time in cli land ) and 2, i have about $14,000 in total credit available in my other 3 Citi backed cards. Considering i dont envision my income improving anytime soon, seems im at an end game with Citi.

Only possible solution i aee is i may end up closing 1 or 2 of the other cards in near future. Ive already decided if anyone clds me before i have chance to work off my new baddie, they will be hitting the chopping block sooner than expected.

For now gonna sd my Dc has im going to use my Discover exclusively for next yeat anyhow. Anyhoo, just wanted share my experience with my Dc. Cant believe we are coming up on 2017 this week. Stay safe and my best to all myfico Fam

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Ugh sorry AJC! I didn't realize you had that many Citi cards. 15K-ish must be your internal ceiling with them right now. I feel like we're in the same boat with this one. We'd love to give the DC more luv, but our limits are not optimal. I decided to SD it too. It gets one recurring charge and that's it. Like you, I'll be giving Disco most of my love til that cash match period is over!