I just got approved for Citi double cash. I applied for it because both me and my friend who referred me are getting bonuses.
SL is low given low APR but that's my first Citi card and I know they don't over extend credit specially to new customers. I applied for Citi card before and was denied due to 6/6 rule and here are my data points.
They pulled EX: 736 FICO8
Inquiries: 3 in last 6 months and wait for it 25 total (Citi is not inquiry sensitive except for last 6 months)
Congrats and thank you for letting us know the datapoint!
You can try requesting CLI in 6 months after account opening, and if the language says "a credit bureau report will not be requested and you will get an instant decision".
Congrats on your approval !!!
6/6 rule.. Never heard of this rulewith citi care to explain?
Congrats on the approval
Citi's soft rule is no more than 6 inq's in 6 months.
This soft rule applies mostly to new Citi customers and people with not so HOT profiles.
So people with too many recent accounts/thin files/short history.
Congratulations on your approval!