Approved! Citi Double Cash 11k

[TyrannicalDuncery3]

I'll go back and update this with more info (filling in the "???"). Thank you to everyone especially on MyFico who has been advising me on the Citi ecosystem!!

This is application 1/2 in a spree, so I may have another update for y'all soon.

• Instant approval.
• 11k limit.
• Relationship:
  • Existing co-branded Citi card (Shop Your Way), about 18 month old.
  • No other relationship.
  • Got some Citi CC offers in the mail recently, no preapproval.
• No identity documents requested.
• Credit stuff:
  
  • New accounts: 0/6, 2/12, 4/24
  • Age:
    
    • AoNA 7m
    • AoOA 12y 2m
    • AAoA 3y 0m
  • Inquiries:
    • Pulled Experian 
      • (maybe others? We'll see what CK says on the other 2; US Bank didn't send an alert so hopefully no TransUnion)
    • TransUnion: 0/6, 1/12
    • Equifax: 1/6, 1/12
    • Experian: 0/6, 1/12
    • All bureaus combined: 1/6, 3/12
  • Income between 100k and 150k/year, rent 700/month.
  • Utilization: somewhere between 0 and 3%, most of it was on a low CL card which could have been up to 20% utilization. Not sure whether that matters.
  • No bad stuff
  • Recent issues (mentioning these since they didn't mess me up with Citi):
    • denied for GTE checking OOS (HP Equifax, boooooo!), allegedly due to Socure
    • bad data in Socure consumer report (corrected before Citi app)
    • denied for Serve+BB prepaids (this always happens to me, even back when I was not suspicious)

I got the instant approval screen, then got to the screen to set up online access. I tried a few usernames, they were already taken, then it said sorry, we can't set up online access for you right now, wait 7-10 days for your card to arrive. I also didn't get a confirmation email.

So then I called 888-201-4523, the automated system said that my application was pending. Then I got to a human who said I was approved and told me my CL. They said that I should get a confirmation email today, and also that that email should have a link to set up online access. They said maybe try again to set up online acccess in 24 hours. About 30 minutes after the application, I went back and saw that I had 2 emails: a "pending" email and then an "approval" email 3 minutes later. Unfortunately, it looks like there is no way to set up online access using any link from either of those 2 emails. No big deal. I have plenty more shenanigans to keep me busy until then!

[StrongerReturn2018]

[GZG]

very nice limit and approval, congrats!!

[JoeRockhead]

Nice SL, congratulations on your aproval!

[Rebuild2019]

Congratulations on your approval and nice SL @TyrannicalDuncery3 

[CreditMagic7]

[NoMoreE46]

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@TyrannicalDuncery3 wrote:

I'll go back and update this with more info (filling in the "???"). Thank you to everyone especially on MyFico who has been advising me on the Citi ecosystem!!

This is application 1/2 in a spree, so I may have another update for y'all soon.

• Instant approval.
• 11k limit.
• Relationship:
  • Existing co-branded Citi card (Shop Your Way), about 18 month old.
  • No other relationship.
  • Got some Citi CC offers in the mail recently, no preapproval.
• No identity documents requested.
• Credit stuff:
  
  • New accounts: 0/6, 2/12, 4/24
  • Age:
    
    • AoNA 7m
    • AoOA 12y 2m
    • AAoA 3y 0m
  • Inquiries:
    • Pulled Experian 
      • (maybe others? We'll see what CK says on the other 2; US Bank didn't send an alert so hopefully no TransUnion)
    • TransUnion: 0/6, 1/12
    • Equifax: 1/6, 1/12
    • Experian: 0/6, 1/12
    • All bureaus combined: 1/6, 3/12
  • Income between 100k and 150k/year, rent 700/month.
  • Utilization: somewhere between 0 and 3%, most of it was on a low CL card which could have been up to 20% utilization. Not sure whether that matters.
  • No bad stuff
  • Recent issues (mentioning these since they didn't mess me up with Citi):
    • denied for GTE checking OOS (HP Equifax, boooooo!), allegedly due to Socure
    • bad data in Socure consumer report (corrected before Citi app)
    • denied for Serve+BB prepaids (this always happens to me, even back when I was not suspicious)

I got the instant approval screen, then got to the screen to set up online access. I tried a few usernames, they were already taken, then it said sorry, we can't set up online access for you right now, wait 7-10 days for your card to arrive. I also didn't get a confirmation email.

So then I called 888-201-4523, the automated system said that my application was pending. Then I got to a human who said I was approved and told me my CL. They said that I should get a confirmation email today, and also that that email should have a link to set up online access. They said maybe try again to set up online acccess in 24 hours. About 30 minutes after the application, I went back and saw that I had 2 emails: a "pending" email and then an "approval" email 3 minutes later. Unfortunately, it looks like there is no way to set up online access using any link from either of those 2 emails. No big deal. I have plenty more shenanigans to keep me busy until then!

---

Grats there $11,000 is a very excellent SL for Citi. 

PS, $700 rent-  is that for a room?

[jcar]

Congrats on your Citi approval!

[Barky]

Congrats!! 

[coreyb80]

Congrats on the approval!