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Wow!
Thank you everyone !
I'm sure I'll have more questions in the near future.
I'm reading a post about it now. Let's me see if I can understand it.
Thanks again!
@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 Citi Double Cash approval!
@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 worry too much about the limit. They started me out about the same and have been generous with $1500 CLI every six months, as well as a Rewards+ card that started at a $10,000 limit.
I applied for the Citi Rewards+ back in December. They double pulled EQ & TU, with EQ BKcard8 = 735. Clean file, 3/12 new accounts, inquiries on EQ 2/12. AAofA was 9 mo, oldest account 1.5 years. TCL at the time was about 14K, highest SL awared to me had been 6K.
Instant approval... but I was dissapointed by the SL of $2500.
In my case, Citi updated the "Apply for Credit Line Increase" from hard to soft-pull about 3 months after I opened the account. I spent another 30 days building up courage, then I requested a credit line increase. The system made an instant decision to increase my CL to $4,000. In effect just had to wait 4 months for CITI's computer to correct it's mistake earlier giving me the stingy limit :-) No problem.
Other members have commented that Citi periodically (~6 months) auto-increases credit limits, as long as they like the way things are going.
The only activity in my account over the first few months (before requesting a CLI) was accepting a BT offer which utilized 28% of my initial credit line. I paid about twice the minimum amount due each month ($50).
The Citi banking app has an option to request a CLI which I'll probably use in a couple of months.
Bummer on the double pull!
Thanks for your reply.
I have another question...
I was approved for the Citi DC on 5/12.
On both Citi online and the Android app it shows my due date as 5/28. My statement close date is 6/2. It also shows remaining balance due of $0.00. Under that it shows remaining minimum $0.00 due.
Does this mean I'll be doing a partial month payment before my statement closes?
Shouldn't the app and online show my due date as 6/28 instead of 5/28?
Kind of scary waiting until 6/28 and getting a late fee.
Note to mods: Move to proper forum. I wasn't sure. Tks!
Congrats, glad it worked out. Enjoy the DC card!
Congratulations on the approval!