Citi Double Cash Decline

[Anonymous]

I wish I'd have found a thread like this one for Citi Double Cash before I apped for it last week. If I'd  have read all these comments, I'd have never even considered this card. Too bad I wasted 2 HP for it......Thanks everyone for your comments.

[Anonymous]

Vulcan, I'm with you. My feeling is: if they don't want my business now, they won't get it in the future. There's plenty of other lender's out there and the ones willing to give me credit now, are the ones who will get my business in the future. I'm extremely loyal and while some people put Cap One down, they've been great to me and will get the majority of my business.

[Anonymous]

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@Anonymous wrote:
Vulcan, I'm with you. My feeling is: if they don't want my business now, they won't get it in the future. There's plenty of other lender's out there and the ones willing to give me credit now, are the ones who will get my business in the future. I'm extremely loyal and while some people put Cap One down, they've been great to me and will get the majority of my business.

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When I found myFICO - I was really surprised to hear CapOne talk like it's the red headed step child of credit cards. They've been good to me for many years (since 2000) and stuck with me, even when I was deep in debt. I mostly use the QS card now for the rewards, which they gave me an immediate $10k CL when I applied for it in April.

[kdm31091]

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@Vulcan1600 wrote:

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@Anonymous wrote:
Vulcan, I'm with you. My feeling is: if they don't want my business now, they won't get it in the future. There's plenty of other lender's out there and the ones willing to give me credit now, are the ones who will get my business in the future. I'm extremely loyal and while some people put Cap One down, they've been great to me and will get the majority of my business.

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When I found myFICO - I was really surprised to hear CapOne talk like it's the red headed step child of credit cards. They've been good to me for many years (since 2000) and stuck with me, even when I was deep in debt. I mostly use the QS card now for the rewards, which they gave me an immediate $10k CL when I applied for it in April.

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I love Quicksilver and Capital One. I know everyone complaints about them but I have had zero issues, and outside of the initial triple pull on application, they will never HP you again (for CLI etc) as far as I know.

The Quicksilver rewards system is much more efficient and simple compared to DC anyway. You get all of your rewards instantly vs charging, waiting, paying, waiting some more, etc...if Citi would make the Double Cash a bit less convoluted, and make the underwriting a bit less ridiculous, I'd go for it, but as it stands now, no way.

[Jerry45]

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@Vulcan1600 wrote:

I was pre-approved for the Citi Double Cash and since I just got the Lowes card I decided to apply. I was rejected because the system saw too many INQs on EX this year and too many new cards open. I spoke to a very nice supervisor in their call center and she said the buck stops there. Nobody can recon and she said I can write a letter to the company. I called 800-347-4934. My FICO 8 scores are in my sig. I have a 1% UTIL and PIF all cards each month. The bottom line was only the new cards and the HP. I told her how I check it faithfully and pointed out there was no HP since April. The answer was no human will reconsider their internal models.

Any comments or helpful hints? I'm really disappointed that the HP was wasted.

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Vulcan, sorry to hear that. A 792 EX fico and still rejected, with a Citi pre approval to boot.  I have pre qualifiers at Citi, but after reading this, forget about it.

[Jerry45]

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@Anonymous wrote:
Vulcan, I'm with you. My feeling is: if they don't want my business now, they won't get it in the future. There's plenty of other lender's out there and the ones willing to give me credit now, are the ones who will get my business in the future. I'm extremely loyal and while some people put Cap One down, they've been great to me and will get the majority of my business.

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So Very well Said my friend. After Barclay's sent me a pre approval last summer, and double pulled and rejected me, they are non grata with me.

[Anonymous]

Yup, I'm not being bitter about being declined with Citi, but I won't app them again. I'll continue to give my money to those that wanted my business, and Cap One, Chase, and Amex have all been very good to me. I'm just glad they didn't double HP me. That would've chapped my ass, even more so, if I had a pre-approval.

[taxi818]

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@Anonymous wrote:
Vulcan, I'm with you. My feeling is: if they don't want my business now, they won't get it in the future. There's plenty of other lender's out there and the ones willing to give me credit now, are the ones who will get my business in the future. I'm extremely loyal and while some people put Cap One down, they've been great to me and will get the majority of my business.

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Singing to the choir. Ive always said cap one is the best. rarely any AA. even if you max it out. They are there for you. Go Cap 1

[Anonymous]

So I just gave Citi Double Cash the big middle finger after the fiasco with them. I applied and just got approved for the Sallie Mae MC. I've already got 2 other Barclay cards and they've been very good to me so far.

[Anonymous]

I got the decline letter from Citi tonight.

My credit score is 590 out of 999 - so apparently it's some sort of an internal score system. 

They gave me 4 reasons for the denial. Two I can understand, two of them I have no idea and think I might call them. Here's the reasons:

1. Credit report shows too many recently opened bankcard revolving accounts (AGREED)

2. Credit report shows balances too high in relation to credit limits (DISAGREE - 1% utilization - $1,070 of $100k available credit) DW and I share the mortgage payment and a car loan.

3. Credit report shows too many inquiries (AGREE)

4. Credit report shows too few bank/national accounts (WHAT THE?????????????????)