Trying to decide if I should apply for the Citi Double Cash

[Anonymous]

I have a ton of inquiries.  Wanting to garden, but I want to try.  Just approved for a Venture for $5k a few days ago.  CLI with Citi AAdvantage yesterday.  Denied for both Delta Exp and Amex.  Denied for even a Macys CLI even though that's just a soft pull.  I think the Delta wasn't even a pull because when I went to check on the status, it was "canceled" instead of denied - may have been because I applied for the Amex the day prior.

Really wanting that Citi Double.  I know, I'm an addict now.

[Anonymous]

I just got approved for that today. I took a chance on the mailer I received. Too afraid to cold app.

[Anonymous]

No love ...

Thank you for applying for the Citi® Double Cash Card.

After careful consideration, we are unable to approve your application. You will receive written notification with the reasons for the decision. If you have further questions once you receive the letter, please call us at the number listed.

Thank you for considering Citi.

[Anonymous]

That stinks. Wait a couple months. You may get a mailer.

[Anonymous]

Call for recon. I was instantly denied for thank you premier, but was approved after recon. Crap ton of inquiries. Waiting to see what the initial denial reasons were

[Anonymous]

Yeah, I'll recon tomorrow and then it's back to the garden with me.  Can't take all of the rejection I've been getting recently.

[mikelo22]

Citi likes to pull EQ and EX, which are your lowest scores respectively.  That, coupled with your INQ's, probably won't bode well for your recon.

I wouldn't apply for DC again until you see that you're prequalified online for it (where you are given a specific APR range).  Cold apping for it is risky, especially if you have a lot of INQ's.  The DC is probably Citi's toughest card to get given its UW requirements. 

Sorry to hear about the decline.

[Anonymous]

Thank you for the suggestion. Probably do me well just to hang up the skates for a bit and let it ride.