Citi Double Cash Card !

[TechQueen]

Hi Folks

I have a BoA Travel Rewards,Cash Rewards,DiscoveriT,Chase Freedom Unlimited,AmeX Blu Cash Everyday,Capital One Platinum,Banana Republic VISA,Amazon Prime Store,Macy's Store Card. My FiCO score : 733 , TU : 753 , Equifax : 753.I have been denied for Citi Double Cash Card 2.5 years ,  I haven't applied for a credit card in 2.5 years , I have only one hard inquiry which is a year old , My credit history is for about 3.5 years. Is it a good time to apply for Citi Double Cash Card ? Thanks.

[CreditInspired]

Hi and welcome to MyFICO

What is your aggregate UT, individual UT, AAOA, and income? Do you have any type of loans? 

[Anonymous]

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@CreditInspired wrote:

Hi and welcome to MyFICO

What is your aggregate UT, individual UT, AAOA, and income? Do you have any type of loans? 

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These questions are important questions.

Everything else tells me you are fine. Do you have a prequalifed offer on their website?

[TechQueen]

Hi

Thanks for the reply , I do not have any type of loans as of now , nor have I ever had.

My income is $75k per annum, By AAOA I am assuming you want to verify if I have any reports of tenant screening.

There's just one hard inquiry on my report that dates back to Sep 2018 when I applied for apartment.

I am sorry if sound ignorant but I do not know what aggregate UT, individual UT are ?  By googling I didn't find any info either.

Please shed some light so I can provide required information.

[TechQueen]

I do not have prequalified offer on their website.

[alexgold9393]

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@TechQueen wrote:

Hi

Thanks for the reply , I do not have any type of loans as of now , nor have I ever had.

My income is $75k per annum, By AAOA I am assuming you want to verify if I have any reports of tenant screening.

There's just one hard inquiry on my report that dates back to Sep 2018 when I applied for apartment.

I am sorry if sound ignorant but I do not know what aggregate UT, individual UT are ?  By googling I didn't find any info either.

Please shed some light so I can provide required information.

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AAoA is your Average Age of Accounts. 

Aggregate Utilization is the percent of debt to an available limit on all cards combined. 

Individual Utilization is the percent of debt to an available limit on individual cards. 

Also,  Next time you apply try to do it through incognito or private browser, some companies review your cache and cookies and make determinations on you regardless of your score. 

Good luck

[TechQueen]

AAoA is your Average Age of Accounts. It's 3 years and 1 month , although my credit history seems longer than that.

Aggregate Utilization is the percent of debt to an available limit on all cards combined. - Around 30%

Individual Utilization is the percent of debt to an available limit on individual cards. - No more than 30%

Also,  Next time you apply try to do it through incognito or private browser, some companies review your cache and cookies and make determinations on you regardless of your score. - Thanks for the advice.Will do so.

[Meanmchine]

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@alexgold9393 wrote:

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Also,  Next time you apply try to do it through incognito or private browser, some companies review your cache and cookies and make determinations on you regardless of your score. 

Good luck

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Ive never heard of that before, besides probably being illegal

[TechQueen]

I just checked my aggregate UT and Individual UT is 15% and not even close to 30%.

[alexgold9393]

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@Meanmchine wrote:

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@alexgold9393 wrote:

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Also,  Next time you apply try to do it through incognito or private browser, some companies review your cache and cookies and make determinations on you regardless of your score. 

Good luck

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Ive never heard of that before, besides probably being illegal

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Speaking from personal experience. I've been trying to get an amex delta gold for 2.5 years, and the one time i get approved is when i applied from incognito. Like I said its just in my honest opinion.