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Citi Double Cash Approval

New Contributor

Citi Double Cash Approval

I’ve had my eye on the Citi DC card for sometime and decided to apply. Cold applied online and received an instant approval for $3,600. Fico 8 scores were Ex 690, Eq 701, T 716. They pulled Ex and I took a hit of -4. 

 

Interesting to me me was how fast the new account reported. It reported to all 3 before I even received the card. Also interesting to me was that as I received the new account hit alerts from myfico I noticed that the new account did not drop my score on any of the big three. Hmm, first time I ever had that happen. 

 

Received the card yesterday and asked for a HP increase to 20 K. Just got the counter today of 7K. I think I may be at my ceiling because my Citi AA card is 19K. Income is 107K. Interesting, when they HP’ed me for the increase they pulled EX again. Also interesting when I looked at my new myfico inquiry I received no ding. Weird, but I’ll take it. 

 

Just wanted to share my data points. Thanks for listening. 

Message 1 of 5
4 REPLIES
Established Contributor

Re: Citi Double Cash Approval

Thanks for sharing, I'm kind of torn, I want this card but I really want to app for the Costco card as well. I'm waiting until June/July though and my scores should be where yours are right now. I would really like to have a $4-5k SL and no prior history with Citi other than HD card but not sure if they really look at that when app'ing for these cards.

 

Robot Very Happy


Message 2 of 5
Frequent Contributor

Re: Citi Double Cash Approval

Grats!

 

It's really a great card to have and adds up pretty quick as well. 


@killntimewrote:

I’ve had my eye on the Citi DC card for sometime and decided to apply. Cold applied online and received an instant approval for $3,600. Fico 8 scores were Ex 690, Eq 701, T 716. They pulled Ex and I took a hit of -4. 

 

Interesting to me me was how fast the new account reported. It reported to all 3 before I even received the card. Also interesting to me was that as I received the new account hit alerts from myfico I noticed that the new account did not drop my score on any of the big three. Hmm, first time I ever had that happen. 

 

Received the card yesterday and asked for a HP increase to 20 K. Just got the counter today of 7K. I think I may be at my ceiling because my Citi AA card is 19K. Income is 107K. Interesting, when they HP’ed me for the increase they pulled EX again. Also interesting when I looked at my new myfico inquiry I received no ding. Weird, but I’ll take it. 

 

Just wanted to share my data points. Thanks for listening. 


 

F08 | EXP 748 | TU 792 | EQ 765 | 3% Utl | 1/28/18 Goal: 760+ Across the board | PenFed Platinum Rewards VS 50k | DiscoverIT 34k | Cap One QS VS 26.5k | Chase Sapphire Reserve VS 25k | AMEX Blue Cash Preferred 25k | NFCU GoRewards VS 25k | Ebates 25k | PenFed PLOC 25k | Credit Union of Colorado 18.5k | Chase Freedom VS 18k | Bank of America Premium Rewards VS 15k | Citi Double Cash WEMC 14.8k | Bank of America Cash Rewards VS 12.9k | NASA FCU 11.9K | Barclays Arrival + WEMC 7.5k | Chase IHG 7.5k | BlisPay 6k | US Bank Cash+ VS 5k | Chase Amazon VS 5k | Paypal Credit 4.5k | INQ: TU 6, EQ 2, EXP 5 | AAoA 5.8yr
Message 3 of 5
Valued Contributor

Re: Citi Double Cash Approval

Congrats on you Citi approval and successful CLI!!

I got mine about a year ago and was able to get them to lower my APR to their lowest level by getting incremental decreases. My account wasn't even a month old when I started getting it lowered

State Farm Rewards (3,000) ~ Marvel MC (8,000) ~ PenFed Power Cash (10,000) ~ PenFed Promise (1,000) ~ PenFed OLOC (500) ~ Discover ($1,100) ~ Citi DC (2,200) ~ NFCU cashRewards (6,200) ~ NFCU Platinum (2,700) ~ NFCU CLOC (15,000) ~ Venture (10,300) ~ DCU Visa (5,000) ~ Chase Freedom (3,000) ~ Amex Hilton Honors (5,000) ~ Amex SPG (1,000) ~ Amex BCE (1,000) ~ Care Credit (15,000)
Current Scores (5/9/18): 695 Transunion, 659 Equifax, 675 Experian
Message 4 of 5
Highlighted
Frequent Contributor

Re: Citi Double Cash Approval

Congratulations on on your new Citi and for asking for a CLI and getting it!

Message 5 of 5