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Update: Approved - CITI Double Cash Back App

tag
CYBERSAM
Senior Contributor

Re: CITI Double Cash Back App

Go for it, I was approved under 700 with old late payments showing.







                
Message 11 of 33
Ugenie7
Valued Member

Re: CITI Double Cash Back App


@Gmood1 wrote:

@Ugenie7 wrote:

@Gmood1 wrote:

Your stats look good! It would be surprising if you were denied!

As Imthedevil says, you shouldn't have an issue.

If you want it, grab it!

 


My Experian app says it will update in 4 days. I will wait for that to see what changes if any before apping.

 

Thanks for your reply.


There's a good chance, they'll pull EQ and not EX. It is a toss up to which they'll pull.

I've had one or the other pulled depending on the Citi CC. So don't be surprised if they pull EQ.

You can check all of your scores for free using https://www.experian.com/consumer-products/compare-credit-report-and-score-products.html

Just cancel the trial within 7 days. You won't be charged.


I assumed Citi would do a double credit pull.

 

I'm waiting on my cousin to send me a Citi referal link who has a Costco Citi card. It guess depends on Citi as whether they consider the Costco card as a regular Citi card or as a Costco store card only.

 

Thanks for the info and link suggestion!

Message 12 of 33
Ugenie7
Valued Member

Re: CITI Double Cash Back App

Just pulled my scored using Experian CreditWorks

 

EQ = 772

EX = 769 Update on 5/15

TU = 794

Bankcard 8 = 767 

 

I got several other scores where the lowest is 746 auto score.

 

Now I'll need to figure out how to cancel the trial. I don't see a way yet other than calling in.

 

Oh! I have 3 cards total. Two are community bank cards from two states with low apr's and no rewards except the ones I pick from a catalog. The other one is the Chase FU. 

Message 13 of 33
Ugenie7
Valued Member

Re: CITI Double Cash Back App

Applied and got approved with a small $2300 SL. I can work with this for now. Hopefully they will give me a CLI in a few months.

 

The APR is 16.99 which will vary base on the prime rate it says.

 

Citi pulled Bankcard 8 from EX as that's where I got the credit alert from. This hard pull has not shown up yet.

 

Thanks for everyone's suggestions!

Message 14 of 33
AllZero
Mega Contributor

Re: CITI Double Cash Back App

Congratulations on your approval!
Message 15 of 33
Ugenie7
Valued Member

Re: CITI Double Cash Back App


@AllZero wrote:
Congratulations on your approval!

Thank you!

Message 16 of 33
coldfusion
Community Leader
Mega Contributor

Re: CITI Double Cash Back App


@Ugenie7 wrote:

Applied and got approved with a small $2300 SL. I can work with this for now. Hopefully they will give me a CLI in a few months.

 

The APR is 16.99 which will vary base on the prime rate it says.

 

Citi pulled Bankcard 8 from EX as that's where I got the credit alert from. This hard pull has not shown up yet.

 

Thanks for everyone's suggestions!


Congrats.  Don't lose sleep over the SL, Citi is known to be conservative with starting limits on this card.  You should be able to request a SP CLI in 6 months.

(3/2024)
FICO 8 (EX) 846 (TU) 850 (EQ) 850
FICO 9 (EX) 850 (TU) 850 (EQ) 850

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion
Message 17 of 33
M_Smart007
Legendary Contributor

Re: CITI Double Cash Back App


@Ugenie7 wrote:

Applied and got approved with a small $2300 SL. I can work with this for now. Hopefully they will give me a CLI in a few months.

 

The APR is 16.99 which will vary base on the prime rate it says.

 

Citi pulled Bankcard 8 from EX as that's where I got the credit alert from. This hard pull has not shown up yet.

 

Thanks for everyone's suggestions!


Congratulations on your approval!

Message 18 of 33
gdale6
Moderator Emeritus

Re: CITI Double Cash Back App

Sweet approval, it will grow over time.
Message 19 of 33
Anonymous
Not applicable

Re: CITI Double Cash Back App

Congratulations!

Message 20 of 33
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