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Does Citi always double pull? Want Simplicity

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Anonymous
Not applicable

Does Citi always double pull? Want Simplicity

Looking for a nice long 0% bal transfer card with potential for a high SL. Was recently approved for Citi Exec WEMC and took a double HP on EX and EQ.

Any other good options out there that aren’t Chase, BOA or Amex?
Message 1 of 22
21 REPLIES 21
Physh1
Frequent Contributor

Re: Does Citi always double pull? Want Simplicity

No, they don't double pull regularly.

Message 2 of 22
Anonymous
Not applicable

Re: Does Citi always double pull? Want Simplicity

Consider Citi Double Cash vs Simplicity for balance transfers.

The ability to product change a card is never guaranteed, however you CANNOT product change to or from Citi Simplicity.

 

I believe you lose the 0% intro rate for NEW purchases if you get Double Cash and you lose 3 months of 0% intro. for balance transfers vs Simplicty.

Still, for your long-term credit Double Cash is worth considering.

 

If you can join Navy Federal, their Platinum card is a good choice for balance transfers.

No balance transfer fee.

Message 3 of 22
Medic981
Valued Contributor

Re: Does Citi always double pull? Want Simplicity


@Anonymous wrote:
Looking for a nice long 0% bal transfer card with potential for a high SL. Was recently approved for Citi Exec WEMC and took a double HP on EX and EQ.

Any other good options out there that aren’t Chase, BOA or Amex?

I only received a HP from EQ when I apped in August.







Your FICO credit scores are not just numbers, it’s a skill.
Message 4 of 22
joltdude
Senior Contributor

Re: Does Citi always double pull? Want Simplicity

if your looking for a long 0 offer why not go for the Diamond? Simplicity cannot be PCed and the Diamonds features and offers are usually similar to the Simplicity's..... And you can always turn a diamond into a DC or possibly a TYP of some sort.... Simplicity is a dead end road...

 

 

 

Message 5 of 22
Anonymous
Not applicable

Re: Does Citi always double pull? Want Simplicity

I agree with the other posters here.  Simplicity or closed are your options.  US Bank Platinum does offer 20 months at 0%.

Message 6 of 22
CreditCuriosity
Moderator Emeritus

Re: Does Citi always double pull? Want Simplicity

Citi has always double pulled my Eq and Exp for all the cards I have had with them 

Message 7 of 22
Gmood1
Super Contributor

Re: Does Citi always double pull? Want Simplicity

I was double pulled the first time I apped with Citi. After that, it was a single EX pull.

I just PC'd WEMC AAdvantage to the Dividend earlier today. It was that or another DC, the newest AAdvantage no AF card or TYP.
Message 8 of 22
Anonymous
Not applicable

Re: Does Citi always double pull? Want Simplicity

they double pulled me when i apped for the double cash card a few weeks ago

Message 9 of 22
BigBS
Senior Contributor

Re: Does Citi always double pull? Want Simplicity

Single pull last year when I apped for the AAdvantage Select and double pull for the Simplicity in Feb this year.

Score: EQ(809) EX(819) TU(800)
INQs: EQ(7) EX(16) TU(8)
Last INQ: 13 Jul 23

Total Credit Limit - $2.0M

Message 10 of 22
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