Citi Double Cash Approval:
I noticed the CreditKarma guarantee for the doublecash about a week ago. I was surprised, because I have opened two new accounts in the last three months: an Amex Gold card in November, and then an auto loan through a local credit union in December. My six month status also includes the Citi Custom Cash which I got back in October. When I saw the guarantee, I thought "no way." From what I knew of Citi, they have been buckling down on customers who exhibit either risky or churning behavior. Given all the credit I've taken on, I was sure they'd peg me for at least one of those two undesirable behaviors. I also know the CreditKarma guarantee is pretty unreliable -- a calculated risk CK takes on at best.
Well, I decided to go for it because I could use $50 and wasn't really planning to apply for more credit until at least April. But since my gold card is almost at my spend requirement and I have almost four months left to achieve that, I knew I could make the spend requirement for the Double Cash if necessary. Well, I am in luck! I was approved!
I am excited to have another 0 AF, 0% intro APR card with a SUB! I could use some more 0% interest to leverage my HYS. And hey, $200 is $200! Woot! My only small gripe is Citi continues to be stingy with credit limits compared to other lenders, but my $6,900 limit is better than the amount they gave me for my custom cash ($5,300).
FICOs: 780 Experian, 794 TU, 813 Equifax ; clean payment history
Income: $63K
New Credit Card Accounts: 1/3, 2/6, 4/12, a lot/24 
*Plus an auto loan account opened in Deember
Inquiries: Experian notes 5 recent inquiries; TU notes 7 recent inquiries (both are within a year I believe)
Util: 29% highest on my CCC, 6% total utilization
AAoA: I think it's about 5 or 6 years
AoOA: 14 years
Appreciate the DPs. It's a nice SL, congratulations on your approval!
Congratulations on your approval for the Double Cash card. It's a handy card to have.
Congrats on your Citi Double Cash approval
