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Citi Double Cash Application Inquiries Question

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chalupaman
Super Contributor

Citi Double Cash Application Inquiries Question

Has anyone ever been able to get approved for this card with more than 6 inquiries made in the last six months? I'm still waiting for some of mine to age and then I'll be ready to go in early December with around 4-5 in the last six months. I just don't wanna get auto denied by the system again. I've only had one new inquiry on my EX file since getting denied for the Double Cash in early September.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 1 of 22
21 REPLIES 21
Anonymous
Not applicable

Re: Citi Double Cash Application Inquiries Question

 
Message 2 of 22
chalupaman
Super Contributor

Re: Citi Double Cash Application Inquiries Question


@Laddi wrote:

@chalupaman wrote:

Has anyone ever been able to get approved for this card with more than 6 inquiries made in the last six months? I'm still waiting for some of mine to age and then I'll be ready to go in early December with around 4-5 in the last six months. I just don't wanna get auto denied by the system again. I've only had one new inquiry on my EX file since getting denied for the Double Cash in early September.


I had 20 recent inquires within last 6 months when I applied. I was instantly approved online with a credit limit of $1,200. After talking to a credit analyst it was increased to $18,000.


Wow really? I've read on sites like Flyertalk that their maximum is 6 inquiries in the last six months but yet again, I know someone that got the Best Buy card with no problem despite having a lot of inquiries. Maybe this all depends on thickness of one's credit file.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 3 of 22
Anonymous
Not applicable

Re: Citi Double Cash Application Inquiries Question


@chalupaman wrote:

@Laddi wrote:

@chalupaman wrote:

Has anyone ever been able to get approved for this card with more than 6 inquiries made in the last six months? I'm still waiting for some of mine to age and then I'll be ready to go in early December with around 4-5 in the last six months. I just don't wanna get auto denied by the system again. I've only had one new inquiry on my EX file since getting denied for the Double Cash in early September.


I had 20 recent inquires within last 6 months when I applied. I was instantly approved online with a credit limit of $1,200. After talking to a credit analyst it was increased to $18,000.


Wow really? I've read on sites like Flyertalk that their maximum is 6 inquiries in the last six months but yet again, I know someone that got the Best Buy card with no problem despite having a lot of inquiries. Maybe this all depends on thickness of one's credit file.


it also depends on your income, people that make a lot of money can get away with lots of stuff...

Message 4 of 22
Anonymous
Not applicable

Re: Citi Double Cash Application Inquiries Question

 
Message 5 of 22
chalupaman
Super Contributor

Re: Citi Double Cash Application Inquiries Question


@Laddi wrote:

@chalupaman wrote:

@Laddi wrote:

@chalupaman wrote:

Has anyone ever been able to get approved for this card with more than 6 inquiries made in the last six months? I'm still waiting for some of mine to age and then I'll be ready to go in early December with around 4-5 in the last six months. I just don't wanna get auto denied by the system again. I've only had one new inquiry on my EX file since getting denied for the Double Cash in early September.


I had 20 recent inquires within last 6 months when I applied. I was instantly approved online with a credit limit of $1,200. After talking to a credit analyst it was increased to $18,000.


Wow really? I've read on sites like Flyertalk that their maximum is 6 inquiries in the last six months but yet again, I know someone that got the Best Buy card with no problem despite having a lot of inquiries. Maybe this all depends on thickness of one's credit file.


It is my first time getting a Citi card. I been applying since last 10 years never got approved. They always kept telling me too many inquires lol. Finally out of no where I got an instant approval.


I see. I'm just afraid to try to put up with their system again and end up with another denial if I wait too soon.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 6 of 22
Anonymous
Not applicable

Re: Citi Double Cash Application Inquiries Question

 
Message 7 of 22
chalupaman
Super Contributor

Re: Citi Double Cash Application Inquiries Question


@Laddi wrote:

@chalupaman wrote:

@Laddi wrote:

@chalupaman wrote:

@Laddi wrote:

@chalupaman wrote:

Has anyone ever been able to get approved for this card with more than 6 inquiries made in the last six months? I'm still waiting for some of mine to age and then I'll be ready to go in early December with around 4-5 in the last six months. I just don't wanna get auto denied by the system again. I've only had one new inquiry on my EX file since getting denied for the Double Cash in early September.


I had 20 recent inquires within last 6 months when I applied. I was instantly approved online with a credit limit of $1,200. After talking to a credit analyst it was increased to $18,000.


Wow really? I've read on sites like Flyertalk that their maximum is 6 inquiries in the last six months but yet again, I know someone that got the Best Buy card with no problem despite having a lot of inquiries. Maybe this all depends on thickness of one's credit file.


It is my first time getting a Citi card. I been applying since last 10 years never got approved. They always kept telling me too many inquires lol. Finally out of no where I got an instant approval.


I see. I'm just afraid to try to put up with their system again and end up with another denial if I wait too soon.


How many recent inquires do you have?


8 in the last six months, but after December 4th, it will be 5 in the last six months. After December 18th, 4 in the last six months.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 8 of 22
Anonymous
Not applicable

Re: Citi Double Cash Application Inquiries Question

 
Message 9 of 22
chalupaman
Super Contributor

Re: Citi Double Cash Application Inquiries Question


@Laddi wrote:

@chalupaman wrote:

@Laddi wrote:

@chalupaman wrote:

@Laddi wrote:

@chalupaman wrote:

@Laddi wrote:

@chalupaman wrote:

Has anyone ever been able to get approved for this card with more than 6 inquiries made in the last six months? I'm still waiting for some of mine to age and then I'll be ready to go in early December with around 4-5 in the last six months. I just don't wanna get auto denied by the system again. I've only had one new inquiry on my EX file since getting denied for the Double Cash in early September.


I had 20 recent inquires within last 6 months when I applied. I was instantly approved online with a credit limit of $1,200. After talking to a credit analyst it was increased to $18,000.


Wow really? I've read on sites like Flyertalk that their maximum is 6 inquiries in the last six months but yet again, I know someone that got the Best Buy card with no problem despite having a lot of inquiries. Maybe this all depends on thickness of one's credit file.


It is my first time getting a Citi card. I been applying since last 10 years never got approved. They always kept telling me too many inquires lol. Finally out of no where I got an instant approval.


I see. I'm just afraid to try to put up with their system again and end up with another denial if I wait too soon.


How many recent inquires do you have?


8 in the last six months, but after December 4th, it will be 5 in the last six months. After December 18th, 4 in the last six months.


Let me give you more details. I had 20 in last 6 months but 0 in last 3 months when I applied. I don't know if that 3 month period helped me or not.


In that case, I've had 2 inquiries in the last 3 months counting my last Citi app.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 10 of 22
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