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citi double cash: Update Approved

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Moderator

Re: citi double cash approval

Grats on the card and welcome to the board Smiley Happy

 

https://ficoforums.myfico.com/t5/Credit-Card-Applications/Backdoor-Numbers/td-p/408066

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- Rhonda Byrne

Message 11 of 33
Established Contributor

Re: citi double cash approval

Congratulations on your approval!
October 2019 Current Scores: Experian-670
TransUnion-680
Equifax-696
Goal for 2019: Scores of 675 all across the board.
Gardening until Spring 2020

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Cards I Want: Paypal 2%, CareCredit, Capital One Savor

Total Utilization: 30%
No baddies
Inquiries to Date- 3


Message 12 of 33
Moderator

Re: citi double cash approval

Congrats on the approval OP.

Keep in mind that if you request a CLI once you're in receipt of the card will incur a HP. They will not repurpose the HP from your approval.

Personally, I'd wait until you build some history with Citi and then your account should be eligible for a SP CLI at some point.
Message 13 of 33
Frequent Contributor

Re: citi double cash: Update Approved

Congrats on the approval!








"Give me liberty, or give me credit!" -PlasticDad


Message 14 of 33
Senior Contributor

Re: citi double cash

Congratulations on your approval!

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

Current Scores



Message 15 of 33
Established Member

Approved for citi double cash but with high APR

Hello all, I was recently approved for the citi double cash card but have a high interest rate of 18.74%. Is there any way I can call citi and ask for a lower APR? Has anyone had any success in doing this?
Message 16 of 33
Contributor

Re: Approved for citi double cash but with high APR


@Matthew1996 wrote:
Hello all, I was recently approved for the citi double cash card but have a high interest rate of 18.74%. Is there any way I can call citi and ask for a lower APR? Has anyone had any success in doing this?

Relative to the card, it's really not all that high though and in fact 18.74% is almost as low as you can get for the DC. In any case, in order to really make the card sing and grab that extra 1% CB, APR needs to be irrelevant anyway. In other words, this isn't a card I would carry a balance on unless you take the 18-mo BT offer (which I am btw) at 0%.

 

Recently I had a conversation with a Citi CSR that claimed they review accounts twice per year for APR reduction eligibility. Given that CLI eligibility is every six months once you get your first, it would make sense. I've never heard of anyone getting an APR reduced right out of the gate with any lender, but maybe it happens.

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Message 17 of 33
Senior Contributor

Re: Approved for citi double cash but with high APR

Congrats on your approval , whats your SL !!!!

also can you provide some DP

 

 

 

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 18 of 33
Valued Contributor

Re: Approved for citi double cash but with high APR

Congrats on your approval!  What is your SL? 

Message 19 of 33
Established Member

Re: Approved for citi double cash but with high APR

My SL is $3,000
Message 20 of 33
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