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Citi Double Cash

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Anonymous
Not applicable

Citi Double Cash

I applied for double cash back in December was denied due to bk reporting. That was the only reason. I applied for costco card few mins later was instantly approved. Is there specific time frame to get double cash after bk?

Message 1 of 8
7 REPLIES 7
OmarGB9
Community Leader
Super Contributor

Re: Citi Double Cash

Well, Citi Retail generally has easier UW than legacy Citi.


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Message 2 of 8
FinStar
Moderator Emeritus

Re: Citi Double Cash

Only thing though, Costco is not considered part of Citi Retail (i.e. Shell, Sears, Home Depot, Best Buy, etc.). The Costco Card is part of their legacy line up since it's a card that can be PC'd into from some of their other CCs, just not in reverse.

 

What was the approval amount for Costco, @Anonymous?  My assumption is that you applied for both too soon (i.e. at the same time).

 

There is different UW criteria for a variety of their legacy CCs. So, UW would vary for Double Cash, TY Premier, Citi Rewards+, AAdvantage, etc.

Message 3 of 8
Anonymous
Not applicable

Re: Citi Double Cash


@FinStar wrote:

Only thing though, Costco is not considered part of Citi Retail (i.e. Shell, Sears, Home Depot, Best Buy, etc.). The Costco Card is part of their legacy line up since it's a card that can be PC'd into from some of their other CCs, just not in reverse.

 

What was the approval amount for Costco, @Anonymous?  My assumption is that you applied for both too soon (i.e. at the same time).

 

There is different UW criteria for a variety of their legacy CCs. So, UW would vary for Double Cash, TY Premier, Citi Rewards+, AAdvantage, etc.


I was approved for $4K. I applied for Double cash first was denied. Few mins later applied for Costco.

Message 4 of 8
FinStar
Moderator Emeritus

Re: Citi Double Cash


@Anonymous wrote:

@FinStar wrote:

Only thing though, Costco is not considered part of Citi Retail (i.e. Shell, Sears, Home Depot, Best Buy, etc.). The Costco Card is part of their legacy line up since it's a card that can be PC'd into from some of their other CCs, just not in reverse.

 

What was the approval amount for Costco, @Anonymous?  My assumption is that you applied for both too soon (i.e. at the same time).

 

There is different UW criteria for a variety of their legacy CCs. So, UW would vary for Double Cash, TY Premier, Citi Rewards+, AAdvantage, etc.


I was approved for $4K. I applied for Double cash first was denied. Few mins later applied for Costco.


When was BK DC'd? Was it 7 or 13?  I am assuming Citi wasn't IIB?

Message 5 of 8
Anonymous
Not applicable

Re: Citi Double Cash


@FinStar wrote:

@Anonymous wrote:

@FinStar wrote:

Only thing though, Costco is not considered part of Citi Retail (i.e. Shell, Sears, Home Depot, Best Buy, etc.). The Costco Card is part of their legacy line up since it's a card that can be PC'd into from some of their other CCs, just not in reverse.

 

What was the approval amount for Costco, @Anonymous?  My assumption is that you applied for both too soon (i.e. at the same time).

 

There is different UW criteria for a variety of their legacy CCs. So, UW would vary for Double Cash, TY Premier, Citi Rewards+, AAdvantage, etc.


I was approved for $4K. I applied for Double cash first was denied. Few mins later applied for Costco.


When was BK DC'd? Was it 7 or 13?  I am assuming Citi wasn't IIB?


Chapter 7 filed in May 2017 and discharged Sept 2017. Citi Double cash and Macys Amex credit was IIB.

Message 6 of 8
FinStar
Moderator Emeritus

Re: Citi Double Cash


@Anonymous wrote:

@FinStar wrote:

@Anonymous wrote:

@FinStar wrote:

Only thing though, Costco is not considered part of Citi Retail (i.e. Shell, Sears, Home Depot, Best Buy, etc.). The Costco Card is part of their legacy line up since it's a card that can be PC'd into from some of their other CCs, just not in reverse.

 

What was the approval amount for Costco, @Anonymous?  My assumption is that you applied for both too soon (i.e. at the same time).

 

There is different UW criteria for a variety of their legacy CCs. So, UW would vary for Double Cash, TY Premier, Citi Rewards+, AAdvantage, etc.


I was approved for $4K. I applied for Double cash first was denied. Few mins later applied for Costco.


When was BK DC'd? Was it 7 or 13?  I am assuming Citi wasn't IIB?


Chapter 7 filed in May 2017 and discharged Sept 2017. Citi Double cash and Macys Amex credit was IIB.


Ah gotcha.

 

Ok, this might be one of those peculiar situations that if a previous Double Cash account was IIB, it may be a while before they loosen up the purse strings, even if you were approved for Costco in Dec. You can try again in a couple months or so (if you wish), and if it yields the same results, then wait at least another year.

Message 7 of 8
Anonymous
Not applicable

Re: Citi Double Cash


@FinStar wrote:

@Anonymous wrote:

@FinStar wrote:

@Anonymous wrote:

@FinStar wrote:

Only thing though, Costco is not considered part of Citi Retail (i.e. Shell, Sears, Home Depot, Best Buy, etc.). The Costco Card is part of their legacy line up since it's a card that can be PC'd into from some of their other CCs, just not in reverse.

 

What was the approval amount for Costco, @Anonymous?  My assumption is that you applied for both too soon (i.e. at the same time).

 

There is different UW criteria for a variety of their legacy CCs. So, UW would vary for Double Cash, TY Premier, Citi Rewards+, AAdvantage, etc.


I was approved for $4K. I applied for Double cash first was denied. Few mins later applied for Costco.


When was BK DC'd? Was it 7 or 13?  I am assuming Citi wasn't IIB?


Chapter 7 filed in May 2017 and discharged Sept 2017. Citi Double cash and Macys Amex credit was IIB.


Ah gotcha.

 

Ok, this might be one of those peculiar situations that if a previous Double Cash account was IIB, it may be a while before they loosen up the purse strings, even if you were approved for Costco in Dec. You can try again in a couple months or so (if you wish), and if it yields the same results, then wait at least another year.


I will retry in July. Gardening for Amex credit card.

Message 8 of 8
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