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Citi Secured graduation + Double Cash approval

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Regular Contributor

Citi Secured graduation + Double Cash approval

Originally opened the Citi Secured back in 9/2017 with a $2500 deposit. Expected to have the card open the full 18 months for graduation, heck the expiration on the card was exactly 18 months.

 

So was very surprised to get the early graduation letter, dated after the 9th statement closed in June. I haven't really used the card very much lately, but when I first opened it, I paid my rent on there once or twice, letting the amount report & subsequently hurt the card utilization. But my total util. was never over 30%, and usually closer to 9%. I'd say the card was used maybe once in the last 3 months.

 

On a side note, blind app'd for the Double Cash when my scores hit 730 across the board and was approved for $5k. So not 100% sure what to do with this Diamond Preferred whenever it shows up. Suggestions are always welcome.

 

And before somebody asks, the reason I opened the secured card last summer in the first place was to rebuild my Citi relationship. I burned them bad about 10 years ago (giving a 20 year old without a job a $14k credit line was a bad idea) and had been denied on blind apps in the past (DC & Best Buy cards).


Started 2014 - EX: 498, TU: 501, EQ: 502... As of 7/1/18 - EX: 714. TU: 730, EQ: 705
10 REPLIES 10
Valued Contributor

Re: Citi Secured graduation + Double Cash approval

Congrats! That’s a great SL for a DC card!

BK7 dc in 01/2011 with FICO8 in the 500s

HPs EX 6 EQ 4 TU 2
AAoA 5y4m
UTIL 1% - 3%

$200K+ Total Limits







New cc TLs 1/6 ; 1/12 & 4/24
Message 2 of 11
New Visitor

Re: Citi Secured graduation + Double Cash approval

congrats

https://www.discover.com/credit-cards/images/rewards/card-art-silver.png
Message 3 of 11
Regular Contributor

Re: Citi Secured graduation + Double Cash approval

Thank you!


Started 2014 - EX: 498, TU: 501, EQ: 502... As of 7/1/18 - EX: 714. TU: 730, EQ: 705
Message 4 of 11
Established Contributor

Re: Citi Secured graduation + Double Cash approval

Congrats on Citibank secured graduation plus approval! Smiley Very Happy




Message 5 of 11
Senior Contributor

Re: Citi Secured graduation + Double Cash approval

Congratulations!

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

Current Scores



Message 6 of 11
Senior Contributor

Re: Citi Secured graduation + Double Cash approval

Congrats on approval and nice SL !!!!

 

 

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 7 of 11
Frequent Contributor

Re: Citi Secured graduation + Double Cash approval


@rp71284 wrote:

Originally opened the Citi Secured back in 9/2017 with a $2500 deposit. Expected to have the card open the full 18 months for graduation, heck the expiration on the card was exactly 18 months.

 

So was very surprised to get the early graduation letter, dated after the 9th statement closed in June. I haven't really used the card very much lately, but when I first opened it, I paid my rent on there once or twice, letting the amount report & subsequently hurt the card utilization. But my total util. was never over 30%, and usually closer to 9%. I'd say the card was used maybe once in the last 3 months.

 

On a side note, blind app'd for the Double Cash when my scores hit 730 across the board and was approved for $5k. So not 100% sure what to do with this Diamond Preferred whenever it shows up. Suggestions are always welcome.

 

And before somebody asks, the reason I opened the secured card last summer in the first place was to rebuild my Citi relationship. I burned them bad about 10 years ago (giving a 20 year old without a job a $14k credit line was a bad idea) and had been denied on blind apps in the past (DC & Best Buy cards).


Super Congrats on your Citi Secured $2,500 graduation and Double Cash $5,000 approval! Smiley Very Happy

 

You're now in the FICO 700 Club across the board. So my "advice" is to take care of both cards

and collect CLIs as they present themselves. Odds are good more offers are in your future. But if

you decide you like one Citi card over the other, you can always roll over the credit limit of the Citi

card you decide not to keep. Just a suggestion, of course. Congrats once again! Smiley Very Happy

Message 8 of 11
Valued Contributor

Re: Citi Secured graduation + Double Cash approval

Congrats on the approval and secured card graduation!


Beginning Journey April 2017 – FICO 8

Current Scores May 2018 – FICO 8

Started this credit game with $8400 TCL in 04/17 now I'm at $150K+.
Message 9 of 11
Senior Contributor

Re: Citi Secured graduation + Double Cash approval

Congrats!

 

Nice to know that Citi will start reviewing for unsecured status without having to wait 18 months.

American Express: Platinum Charge, Optima, Business Gold
Barclays: Arrival+ WEMC
Capital One: Savor WMC, Venture VS
Chase: Freedom U VS, CSR VI
Citibank: AAdvantage Platinum WEMC
Elan/US Bank: Fidelity VS
Credit Union: Rewards Visa
FICO 08: (1.1.20) EX: 827 / EQ: 838 / TU: 833
Message 10 of 11
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