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Update: Approved - CITI Double Cash Back App

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Valued Contributor

Re: CITI Double Cash Back App

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







       
Message 11 of 33
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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
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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
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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
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Super Contributor

Re: CITI Double Cash Back App

Congratulations on your approval!
Message 15 of 33
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Valued Member

Re: CITI Double Cash Back App


@AllZero wrote:
Congratulations on your approval!

Thank you!

Message 16 of 33
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Super 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.

(5/2020)
FICO 8 (EX) 782 (TU) 782 (EQ) 793


$1M+ club
Message 17 of 33
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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!


Congratulations on your approval!

Message 18 of 33
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Moderator

Re: CITI Double Cash Back App

Sweet approval, it will grow over time.
"If there's a lack of money in your life, understand that feeling worried, envious, jealous, disappointed, discouraged, doubtful or fearful about money can never bring more money to you, because those feelings come from a lack of gratitude for the money you have."

"Reactions are powerful creators because they contain every element needed to manifest—they're a combination of thought, belief, and feeling in action. Positive reactions create more positive things, and negative reactions create more negative things. If you can respond to negative situations calmly and lightly, instead of with emotional turbulence, what happens next in your life will be so much better."

- Rhonda Byrne

Message 19 of 33
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Valued Contributor

Re: CITI Double Cash Back App

Congratulations!

Message 20 of 33
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