Citi Double Cash

[Anonymous]

Some advice to help you out, not that you should be carrying a balance anyways...

I have been successful in 1/1 attempts with Citi to lower the card's APR over their chat feature on their website. First time was from 19.24% to 17.24%. I've heard of people doing this four days in a row to lower their APR by 8%. Don't be discouraged by their 21.49% APR when it can probably be lowered to 13.49% in a matter of days. 

Just by two cents. 

[Anonymous]

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@Anonymous wrote:
They pulled ex for me when it got approved last week. 14 inq apr 21%

Small starting limit tho

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what was your starting limit?

[Anonymous]

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@Anonymous wrote:

If you are really interested in the Citi dc, check the pre-qualifier once a week. I found that every time I checked the pre-qualifier on citi's website, I would get an offer in the mail a few days later. I started out getting the higher apr as well.  I watched offers for about 6 weeks and the apr on my offers gradually dropped.  I finally caught a great offer - 0% for 21 mo and 13% after that.  I accepted and had a starting limit of $3800.  They pulled EQ.  My score was around 690, 8 INQ, 1 medical collection from 2010, 5% utilization and AAoA was under 2 yrs.

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I think I'm going to wait but I know my scores are starting to improve because for the first time in my life I'm starting to get preapprovals and prequalifiers from all kinds companies. I think a little more work and time will do me right. I'm trying to be a little more patient.

[Anonymous]

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@Closingracer99 wrote:

I wouldn't put much thought into the APR but the CL .... The APR could be 500% for all i care but i wont be using it. Only time I carry a balance is if i have a 0% APR intro offer. or something.

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True!

[Anonymous]

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@RM21 wrote:
You would know better than anyone if it's a good time to apply. It's good that you have the mindset to stop yourself from doing something prematurely.

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I'm trying hard not to do any unnecessary apping.

[Anonymous]

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@Anonymous wrote:

Some advice to help you out, not that you should be carrying a balance anyways...

I have been successful in 1/1 attempts with Citi to lower the card's APR over their chat feature on their website. First time was from 19.24% to 17.24%. I've heard of people doing this four days in a row to lower their APR by 8%. Don't be discouraged by their 21.49% APR when it can probably be lowered to 13.49% in a matter of days. 

Just by two cents. 

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All advice is appreciated. I just want to for once app and get a limit I can really be proud of. I just have to wait a little while longer. I have 13 inquires on EQ and 17 on EX all of them age 1 year in August. I want to see if my score changes once they age but either way it goes I'll still probably wait some months to see how much more my scores can improve.

[Anonymous]

I just ran this prequal check for my mother, came for the same offer with same APR terms on purchases and 0% on BT. It listed other Citi cards as prequal as well, including simplicity with 0% for 21 months on purchases. Ran app on Double Cash with her and approved for $1000, pulled Equifax 661 FICO.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

Some advice to help you out, not that you should be carrying a balance anyways...

I have been successful in 1/1 attempts with Citi to lower the card's APR over their chat feature on their website. First time was from 19.24% to 17.24%. I've heard of people doing this four days in a row to lower their APR by 8%. Don't be discouraged by their 21.49% APR when it can probably be lowered to 13.49% in a matter of days. 

Just by two cents. 

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All advice is appreciated. I just want to for once app and get a limit I can really be proud of. I just have to wait a little while longer. I have 13 inquires on EQ and 17 on EX all of them age 1 year in August. I want to see if my score changes once they age but either way it goes I'll still probably wait some months to see how much more my scores can improve.

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To be fair, most people start out with a low limit on the DC, or at least from what I've hard. 

[Anonymous]

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@Anonymous wrote:

Maybe it's not the best time for me to apply. I need to work on my score an aging my current cards right now. Thanks for all the input.

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I think you made a wise decision. Too many times people apply for cards just to 'get in' with a creditor instead of waiting for better opportunity (improved credit profile, lower APR, etc). Best of luck!

[Anonymous]

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@beautifulblaquepearl wrote:

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@Anonymous wrote:

Maybe it's not the best time for me to apply. I need to work on my score an aging my current cards right now. Thanks for all the input.

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I think you made a wise decision. Too many times people apply for cards just to 'get in' with a creditor instead of waiting for better opportunity (improved credit profile, lower APR, etc). Best of luck!

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I completely agree. Best of luck!