Citi Double Cash

[RonM21]

Congrats on the approval!

[Anonymous]

Congrats!!

[Anonymous]

Congrats!

[Anonymous]

I have a 648 CS, with 2 collections in my history, about 30 percent utilization, 13 inquires. I've now been approved for my second DC card in 2 months. Do with that information what you will BChops lol

[MyLoFICO]

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@Anonymous wrote:

I have a 648 CS, with 2 collections in my history, about 30 percent utilization, 13 inquires. I've now been approved for my second DC card in 2 months. Do with that information what you will lol

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Yours is similar to mine but I have 20 inquiries on EQF. Did you try to prequalify first? 

[Anonymous]

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@MyLoFICO wrote:

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@Anonymous wrote:

I have a 648 CS, with 2 collections in my history, about 30 percent utilization, 13 inquires. I've now been approved for my second DC card in 2 months. Do with that information what you will lol

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Yours is similar to mine but I have 20 inquiries on EQF. Did you try to prequalify first? 

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Yes and no, when I went to Citi's website and ran their pre-qualify tool I did not match with any cards. However my 2 approval's from them came from back to back mail pre-screened letters sent to me from Citi Bank. Applied for the first one, got approved. About 3 weeks later got another one, since theirs no annual fee I figured why not, it's at least another account, so I applied with the second pre-screened letter and got approved.

[MyLoFICO]

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@Anonymous wrote:

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@MyLoFICO wrote:

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@Anonymous wrote:

I have a 648 CS, with 2 collections in my history, about 30 percent utilization, 13 inquires. I've now been approved for my second DC card in 2 months. Do with that information what you will lol

---

Yours is similar to mine but I have 20 inquiries on EQF. Did you try to prequalify first? 

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Yes and no, when I went to Citi's website and ran their pre-qualify tool I did not match with any cards. However my 2 approval's from them came from back to back mail pre-screened letters sent to me from Citi Bank. Applied for the first one, got approved. About 3 weeks later got another one, since theirs no annual fee I figured why not, it's at least another account, so I applied with the second pre-screened letter and got approved.

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Funny, I got a mailer last week but it didn't say anything about pre-approved or prescreened and had the typical wide APR spread. I guess i should have kept it. lol

[Anonymous]

Congratulations!! 

[Anonymous]

Congrats on your approval!

Citi Dc was on my wish list for a while.  Each time my scores would change, I would check the pre-qualifier.  Each time I checked the pre-qualifier, I would get a mailer within the week.  I didn't care for the interest rate so I wouldn't apply.  I went through this cycle for 2 months because the rate was slowly coming down. I finally saw 13.24 and applied.  My EQ score was around 695, AAoA was about 12 mo, and 9 INQ.  I was approved for $3.8k and 0% interest for 21 mo. They aren't the fastest growing but I think it is a perfect every day spending card. 

[Wolfeyy]

Nice!