Citi Custom Cash or Double Cash Cards

7774x · ‎11-10-2023

Getting Citi preapproved offers just about every 2-3 weeks .. Both offer 18 month 0% BT.. .. both offers good until Dec31st Picked up new 4 Cards this year ... score 771.. approval odds ?

JoeRockhead · ‎11-10-2023

Don't know the rest of your stats but Citi can be sensitive to new accounts, especially in the last 6 months. I think people have had the best success when they were at 0/6

7774x · ‎11-10-2023

@JoeRockhead wrote:
Don't know the rest of your stats but Citi can be sensitive to new accounts, especially in the last 6 months. I think people have had the best success when they were at 0/6

utilization ..10% .. thanks

NoMoreE46 · ‎11-10-2023

For your first Citi, you should really be 0/6.

Subsequent Citi approvals are more lenient in my personal experience.

@7774x wrote:
@JoeRockhead wrote:
Don't know the rest of your stats but Citi can be sensitive to new accounts, especially in the last 6 months. I think people have had the best success when they were at 0/6
utilization ..10% .. thanks

M_Smart007 · ‎11-10-2023

I agree with everyone upthread^

0/6 for best odds of approval.

I have had a couple Citi denials over the last 4 years.

So I PC'd my old Citi cards ...

They could be taking in to account my overall Citi exposure? ..IDK?

Total exposure on Citi Legacy and Citi co-branded V/MC/AMEX cards **Now** -> $188,600.00

ptatohed · ‎11-11-2023

@7774x wrote:
Getting Citi preapproved offers just about every 2-3 weeks .. Both offer 18 month 0% BT.. .. both offers good until Dec31st Picked up new 4 Cards this year ... score 771.. approval odds ?

I'm not sure if the question is which you should pick, or what the approval odds are but, yes, go for it and as far as which one? I guess DC if you don't already have a 2%+ uncapped everything card and CC if you already have a 2% card. GL.

Everyday 5% CB:
Chase prime Visa // citi CUSTOM CASH “A” // citi CUSTOM CASH “B” // citi CUSTOM CASH “C” // citi ThankYou (5% gas, lucrative spending offers) // mylowe’s Rewards // Target circle card

Rotating 5% CB:
Chase “OG” freedom Visa // DISCOVER it Cash Back // nusenda CU Platinum Cash Rewards

Everyday 4% CB:
US Bank Smartly (v1.0)

Everyday 3% / 2.2% CB:
AOD FCU Visa Signature (3%, sockdrawered) // upgrade Cash Rewards Elite (2.2%, sockdrawered)

Welcome Offer / credits only:
NFCU FLAGSHIP REWARDS (elevated Welcome Offer, annual prime credit, sockdrawered)

Hotel card:
Chase IHG ONE REWARDS PREMIER (elevated Welcome Offer, 1 free night/yr)

On my radar:
Langely FCU Signature Cash Back (5% CB monthly selectable cat) // Safe CU Cash Back+ (Quarterly rotating 5% CB cats plus bonus cats) // upgrade MyFive Cash Rewards (5% CB monthly selectable cat) // US Bank Kroger (and family) World Elite Master Card(s) (5% CB Mobile Wallet)