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Citi Double Cash Approval (Citi 6/6 is REAL) !

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Frequent Contributor

Citi Double Cash Approval (Citi 6/6 is REAL) !

Hello,

 

I just got approved for Citi double cash. I applied for it because both me and my friend who referred me are getting bonuses.

 

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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)

 

Thanks,





Message 1 of 22
21 REPLIES 21
Frequent Contributor

Re: Citi Double Cash Approval (Citi 6/6 is REAL) !

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".

Message 2 of 22
Senior Contributor

Re: Citi Double Cash Approval (Citi 6/6 is REAL) !

Congrats on your approval !!!

 

 

8-2019 / Fico 8 EX 8013 , EQ 8016 , TR 810
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 3 of 22
Valued Member

Re: Citi Double Cash Approval (Citi 6/6 is REAL) !

Congrats.Give it time your limits will go quickly. I had a double cash for over a year starting limit 1000., Now 2000.
. The past couple months Citi gave me an AA Advantage card start limit 4200 which is now 5200, and a best buy card Sl 2500..
And my Experian is 40 points lower then yours.
Message 4 of 22
Valued Contributor

Re: Citi Double Cash Approval (Citi 6/6 is REAL) !

Congrats on the approval!


Scores - All bureaus 750 +/-
TCL - Est. $275K
Message 5 of 22
Moderator

Re: Citi Double Cash Approval (Citi 6/6 is REAL) !

6/6 rule.. Never heard of this rulewith citi care to explain?

 

Congrats on the approval

Message 6 of 22
Frequent Contributor

Re: Citi Double Cash Approval (Citi 6/6 is REAL) !


@CreditCuriosity wrote:

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.

    EQ=841        TU=822         EX=822      INQ=0/0/0     UTIL=1%        AZEO
Message 7 of 22
Moderator

Re: Citi Double Cash Approval (Citi 6/6 is REAL) !


@OmarR wrote:

@CreditCuriosity wrote:

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.


Lol certainly not for me Smiley Happy..  All profile specific regardless congrats as I have has 12+ accounts in 6 months and approved Smiley Happy

Message 8 of 22
Frequent Contributor

Re: Citi Double Cash Approval (Citi 6/6 is REAL) !

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.

 

Thanks,





Message 9 of 22
Senior Contributor

Re: Citi Double Cash Approval (Citi 6/6 is REAL) !

Congratulations on your approval!

Starting Scores FICO 8 (Feb '18):
EX- 519, TU- 530, EQ- 545

Current Scores



Message 10 of 22
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