Citi Double Cash

[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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Excellent strategy mimsof4!

[Anonymous]

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@Anonymous wrote:

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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.

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When building a solid credit profile, patience is paramount.

[Anonymous]

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@Anonymous wrote:

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.

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Congrats!