Does Citi Double Pull..? & 6/6 Rule

[bigpoppa09]

They always double pull me me EX,TU.

[Anonymous]

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@ToxikPH wrote:

I'm doing research on the 6/6 rule for Citi as they are my next planned card. Is the rule that you won't be approved above 6 or at 6? I'll be at 5/6 at the end of the month on TU but at 6/6 on EX and just wanted to understand a bit better.

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https://awardwallet.com/blog/understanding-rewards-credit-card-application-rules-restrictions/ -- simple guidelines 

https://www.reddit.com/r/churning/comments/67u9q0/guide_antichurning_rules/ -- extensive guidelines

[CreditCuriosity]

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@Anonymous wrote:

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@ToxikPH wrote:

I'm doing research on the 6/6 rule for Citi as they are my next planned card. Is the rule that you won't be approved above 6 or at 6? I'll be at 5/6 at the end of the month on TU but at 6/6 on EX and just wanted to understand a bit better.

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https://awardwallet.com/blog/understanding-rewards-credit-card-application-rules-restrictions/ -- simple guidelines 

https://www.reddit.com/r/churning/comments/67u9q0/guide_antichurning_rules/ -- extensive guidelines

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at least the first link is alittle outdated depending on citi card as some are 48 months vs. 24 months such as AA.  otherwise accurate

[Anonymous]

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@CreditCuriosity wrote:

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@Anonymous wrote:

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@ToxikPH wrote:

I'm doing research on the 6/6 rule for Citi as they are my next planned card. Is the rule that you won't be approved above 6 or at 6? I'll be at 5/6 at the end of the month on TU but at 6/6 on EX and just wanted to understand a bit better.

---

https://awardwallet.com/blog/understanding-rewards-credit-card-application-rules-restrictions/ -- simple guidelines 

https://www.reddit.com/r/churning/comments/67u9q0/guide_antichurning_rules/ -- extensive guidelines

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at least the first link is alittle outdated depending on citi card as some are 48 months vs. 24 months such as AA.  otherwise accurate

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True, but it's a baseline quick table to look at.  If you're doing your homework on a card you should also be reading the T&C's for the card you're after.  The most up to date info is on the app page.  

[Anonymous]

The second link talks about 6/6 and I'm curious about if that's per bureau or total. It has never been made clear that I have seen. 

[Anonymous]

Applied for the simplicity Jan 19, only had 1 HP on EQ. Score at the time was 772

[calyx]

My Citi pull last year was a double - EQ & EX.   It was for their secured product (so, obviously, my file wasn't so hot back then )

[Anonymous]

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@Anonymous wrote:

The second link talks about 6/6 and I'm curious about if that's per bureau or total. It has never been made clear that I have seen. 

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Knowing that they pull 2 CR's you need to make sure none of your reports show more than 6 inq's in the last 6 months. 

Looking at my 2 card experiences I was averaging 3-5 per CR at the times that I applied.  Now if they expanded the rule to 6/12 or 6/24 there would be a whole lot less approvals around here.

Outside of that you have the other specific issues with them to deal with depending on if you have a card with them already and whether you care about picking up a bonus with the new card.

[soxfaininfl]

I applied for the Citi Double Cash rewards on 9/5/19(got denied due to my BK), and they did a double pull for me on EQ and EX. 

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

The second link talks about 6/6 and I'm curious about if that's per bureau or total. It has never been made clear that I have seen. 

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Knowing that they pull 2 CR's you need to make sure none of your reports show more than 6 inq's in the last 6 months. 

Looking at my 2 card experiences I was averaging 3-5 per CR at the times that I applied.  Now if they expanded the rule to 6/12 or 6/24 there would be a whole lot less approvals around here.

Outside of that you have the other specific issues with them to deal with depending on if you have a card with them already and whether you care about picking up a bonus with the new card.

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Thanks. I figured it had to be per bureau, not total, based on how many people around here get Citi cards with tons of new accounts. 

I don't have a lot of interest in most of Citi's cards except DC if I don't have a better 2% option in a year when my Disco match ends and possibly Best Buy when I go TV shopping next year.