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Citi Double Cash Approval

LadyVee
Regular Contributor

Citi Double Cash Approval

On Oct 19th I decided to see if I had any preapprovals. Well low and behold there was one for the Citi Double Cash card. I applied but it was not immediately approved. I received a message that further processing was needed and that there should be an answer in 24 hours. The next day I called Citi and was told that they couldn't verify my credit information and that I would receive a letter stating what the next steps would be for me to do. The CSR said that the letter most likely would say that I needed to send in some sort of paperwork to complete the processing of my application. I never did receive a letter from Citi. After two weeks of waiting I decided to call again and the CSR asked me if she could call me on the number listed on my application. Of course I told her yes. After this call, which I assume was their way of verifying my number, she said congratulations we were able to approve you. The starting limit is only $1000 but that's ok because I will grow this card just like I did my others. Hopefully it doesn't take that long though. I tried calling to get an increase so that I can take advantage of the 0% balance transfer but unfortunately they said hat they couldn't raise the limit. They pulled both Equifax and Experian. These FICO scores are 642 and 647 respectively.

Starting Score: 485 (CK TU)
Current Score: 698 (TU FICO); 685 (EX FICO) 687 (EQ FICO)
Goal Scores: 750 (TU FICO); 750 (EX FICO); 750 (EQ FICO)

Current Cards:
AMEX Gold: NPSL, AMEX BCE: 1000, BARCLAY APPLE: 2000, CITI DC: 2250, CHASE CSP: 7400, CAP1 SAVOR: 12000, CAP1 VENTURE: 10000, CAP1 QS: 6500, CAP1 QS1: 3300,
DISC IT: 1400, MERRICK: 2200, PAYPAL CREDIT: 3000,
US BANK CASH+: 5000, WALMART: 5000, TARGET MC: 4000, ANN TAYLOR: 6000, VS: 6000, EXPRESS: 5000, NY&CO: 4000, SMILE GEN: 1500
10 REPLIES 10
lg8302ch
Senior Contributor

Re: Citi Double Cash Approval

Congrats on your approval -  give it a bit of time and try the CLI button to grow your CL. The website will tell if HP is required or if CLI with SP is an option. I would only do it with SP option.

Message 2 of 11
BigBS
Valued Contributor

Re: Citi Double Cash Approval


@lg8302ch wrote:

Congrats on your approval -  give it a bit of time and try the CLI button to grow your CL. The website will tell if HP is required or if CLI with SP is an option. I would only do it with SP option.


+1.  Congrats on the approval and good luck on the future CLIs.

Score: EQ(805) EX(804) TU(822)
INQs: EQ(3) EX(5) TU(6)
Last INQ: 02 Sep 20

Total Credit Limit - $1.4M

Message 3 of 11
AverageJoesCredit
Mega Contributor

Re: Citi Double Cash Approval

Way to goSmiley Happy. I would also give it time. As im rebuilding, my EQ is still low and with Citi's Fico 8 bankcard score still languishing in the abyss, itll probably be a long while before i even get the sp language. I even tried a hp for cli but Citi is no Synchrony lol!. I personally wont use anymore hps for my DC, so ill just wait for sp language even though thats not gaurenteed. This is just my experience, yours may be different. Best of luck on growing your new DC baby Smiley Wink
Message 4 of 11
Posiedon
Frequent Contributor

Re: Citi Double Cash Approval

Congrats on getting the DC, albeit with some effort.  Once your 3rd statement cuts, try seeing the magical SP language and jump on it !

 

But remember the basics, you'll only get the other 1% on your payment and at least two payments in a month (Citi gives you two auto payment options) makes you look pretty good.

 

The above is my personal experience - yours might be different (or better).

Aug 14 - TU548/EQ582/EX535
>Jun 17 TU719/EQ709/EX686
Total SL: 210K across the board
Message 5 of 11
MILOfico
Established Contributor

Re: Citi Double Cash Approval

@LadyVee

For SL recon...You use back door#

?????
wells.jpg 2chase navychase east westchase us bankimg src=ChaseFreedom_F.inddC_DP7_EMV_MNLW_18-PID 257.epsnavy fedBCE&ED|Chase|NFCUcc&CLOC|WF|Cash+|ElanFin.|Dia'md prefer.|PF|Gard'N since 6/23/2017|TOTAL CL$111.2K !!!NOIIICE!!!
Message 6 of 11
LOTR
Established Contributor

Re: Citi Double Cash Approval


@LadyVee wrote:
On Oct 19th I decided to see if I had any preapprovals. Well low and behold there was one for the Citi Double Cash card. I applied but it was not immediately approved. I received a message that further processing was needed and that there should be an answer in 24 hours. The next day I called Citi and was told that they couldn't verify my credit information and that I would receive a letter stating what the next steps would be for me to do. The CSR said that the letter most likely would say that I needed to send in some sort of paperwork to complete the processing of my application. I never did receive a letter from Citi. After two weeks of waiting I decided to call again and the CSR asked me if she could call me on the number listed on my application. Of course I told her yes. After this call, which I assume was their way of verifying my number, she said congratulations we were able to approve you. The starting limit is only $1000 but that's ok because I will grow this card just like I did my others. Hopefully it doesn't take that long though. I tried calling to get an increase so that I can take advantage of the 0% balance transfer but unfortunately they said hat they couldn't raise the limit. They pulled both Equifax and Experian. These FICO scores are 642 and 647 respectively.

Congratulations on being approved!  And like you said, you can grow it like your other cards. Smiley Happy Good job! Smiley Happy

gardening: 01/05/2019 updated: 01/23/2019 rebuild: 2/2016 EQ 648 TU 642 EX 663
Start Mort: EQ 800 TU 800 EX 805 Fico 8: EQ 794 TU 806 EX 825
Curr Mort.: EQ 800 TU 800 EX 805 Fico 8: EQ 794 TU 806 EX 825
Goal Mort.: EQ 850 TU 850 EX 850 Fico 8: EQ 850 TU 850 EX 850
Take the myFICO Fitness Challenge
Message 7 of 11
CreditMagic7
Super Contributor

Re: Citi Double Cash Approval

Congratulations! on your new Citi DC approval.

 

If you don't mind another HP yes you might call them to try the Recon on the starting limit but since it's your first card with them, and coupled with those current scores, it might be better to give it a couple of statements first.

 

It's hard to predict with Citi sometimes, but in my experience with a first Citi card @$800, I called the U/W backdoor after only 2 months and with a new HP they raised my limit to $2000!

 

It's been steadily climbing ever since every 6 months.

Message 8 of 11
JJE8489
Regular Contributor

Re: Citi Double Cash Approval

Congrats!



FICO 08 Scores (as of October 2017) - Equifax: Unknown | Experian: 742 | TransUnion: 761 | GARDENING until December 2018
Message 9 of 11
LadyVee
Regular Contributor

Re: Citi Double Cash Approval


@MILOfico wrote:
@LadyVee

For SL recon...You use back door#

?????

No I didn't, I believe I just called customer service and they tried a SP for the increase request. 


Starting Score: 485 (CK TU)
Current Score: 698 (TU FICO); 685 (EX FICO) 687 (EQ FICO)
Goal Scores: 750 (TU FICO); 750 (EX FICO); 750 (EQ FICO)

Current Cards:
AMEX Gold: NPSL, AMEX BCE: 1000, BARCLAY APPLE: 2000, CITI DC: 2250, CHASE CSP: 7400, CAP1 SAVOR: 12000, CAP1 VENTURE: 10000, CAP1 QS: 6500, CAP1 QS1: 3300,
DISC IT: 1400, MERRICK: 2200, PAYPAL CREDIT: 3000,
US BANK CASH+: 5000, WALMART: 5000, TARGET MC: 4000, ANN TAYLOR: 6000, VS: 6000, EXPRESS: 5000, NY&CO: 4000, SMILE GEN: 1500
Message 10 of 11
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