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Citi Rewards approval

CarolynArt
Regular Contributor

Re: Citi Rewards approval

Congrats on the nice SL with Citibank. I plan to apply with Citi in exactly 6 1/2 months. Enjoy!
Message 11 of 15
jaeski33
Frequent Contributor

Re: Citi Rewards approval

What does a 2nd HP do that the 1st one doesn't? This really makes no sense to me and it creates 2 pulls I'm guessing within the the first 48-72hrs of approval. Same day of being approved? If you're going to take another pull, why not just app for another card you're eying? Very curious



Current Scores 10/11/2019
TU 724 Inq 20, EX 699 Inq 15, EQ 743 Inq 8 -- UTL 4% FICO 9 757
[Previous] 10/05/2018
EQ F8 [696] 5 Inqs, EX F8 [666] 14 Inqs,
TU Fico 8 [702] 18 Inqs.
Gardening since 11/08/2018.
EQ-Fico 8 [699] EX-Fico 8 [639] TU-Fico 8[652]
UTI 14% NFCU Flagship $6K, Care Credit $20K, TFCU Platinum Visa $20K, DCU Rewards Visa 10K, USAA Platinum Visa 6K, Costco Visa $7.5K, NFCU AMEX $15K, Citi Rewards+ $16,800, Wells Fargo Cash Wise 9.5K, Barclays AAdvantage MC $2K, NFCU GoRewards 10K, Home Depot Commercial $1k, Best Buy Visa $15k, ExxonCard $1500, PenFed Visa Sig $10k, NFCU CLOC $10K, Boscov's $13.3K, Overstock $12.5k, Sportmans $3900, Amex Cash Magnet $1500, Amex Bonvoy 2K, BarClay Arrival $2k, DiscoverIT $16k, AmazonCard $6000, PayPal MC 8K, Mercury MC $5.5K, CapOne Silver $16.5K, Lowes Credit $25K, Wal-Mart Store Card $9K, Wayfair $14.4K
Message 12 of 15
SFLSpotter9210
Established Contributor

Re: Citi Rewards approval

Congratulation’s on your approval you sound exactly like me very impatient lol. Enjoy the new rewards card from Citi.
NFCU Flagship 25,000 Penfed PowerCash 8,750 PenFed PL 20,000 NFCU AMEX Rewards 37,500 NFCU GoRewards 7,000
Capital One Quicksilver 6,300
Lowe’s 34,500
Barclay Apple1k
Citi Rewards+ 10,600
Citi Double Cash 14,800
Citi Simplicity 5,500
PNC Core VISA 17,500
Home Depot 1,000
USAA AMEX 10,000
Discover 13,000
BB&T Rewards 4,500 BB&T Bright Card 4,500 GS Apple 5,500 Chevron 1650 Fico 8 Scores EQ=756,EX=769,TU=765 scores and CL current as of 02/05/21 AAoA=2years10minths AoOA=17yrs
Message 13 of 15
Obscure-Expert
Valued Contributor

Re: Citi Rewards approval


@jaeski33 wrote:
What does a 2nd HP do that the 1st one doesn't? This really makes no sense to me and it creates 2 pulls I'm guessing within the the first 48-72hrs of approval. Same day of being approved? If you're going to take another pull, why not just app for another card you're eying? Very curious

It doesn't make sense but, it's a fact.  You can't take the 2nd HP until you have the card in hand and that takes about 8 days to show up.  Also, the rules of applying are 1/8 and 2/65. 

 

There's nothing different in your reports between the app, approval, getting the card usually... it's just that Citi is stingy and doesn't cough up the true limit at approval and leaves additional cash on the table to be collected when you get the card.

 

2 extra HP's got me an additional 10K across 2 cards.  

500K+ TCL / 800+ FCOs
Message 14 of 15
jaeski33
Frequent Contributor

Re: Citi Rewards approval

Thanks for the info!



Current Scores 10/11/2019
TU 724 Inq 20, EX 699 Inq 15, EQ 743 Inq 8 -- UTL 4% FICO 9 757
[Previous] 10/05/2018
EQ F8 [696] 5 Inqs, EX F8 [666] 14 Inqs,
TU Fico 8 [702] 18 Inqs.
Gardening since 11/08/2018.
EQ-Fico 8 [699] EX-Fico 8 [639] TU-Fico 8[652]
UTI 14% NFCU Flagship $6K, Care Credit $20K, TFCU Platinum Visa $20K, DCU Rewards Visa 10K, USAA Platinum Visa 6K, Costco Visa $7.5K, NFCU AMEX $15K, Citi Rewards+ $16,800, Wells Fargo Cash Wise 9.5K, Barclays AAdvantage MC $2K, NFCU GoRewards 10K, Home Depot Commercial $1k, Best Buy Visa $15k, ExxonCard $1500, PenFed Visa Sig $10k, NFCU CLOC $10K, Boscov's $13.3K, Overstock $12.5k, Sportmans $3900, Amex Cash Magnet $1500, Amex Bonvoy 2K, BarClay Arrival $2k, DiscoverIT $16k, AmazonCard $6000, PayPal MC 8K, Mercury MC $5.5K, CapOne Silver $16.5K, Lowes Credit $25K, Wal-Mart Store Card $9K, Wayfair $14.4K
Message 15 of 15
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