Citi Double cash Pulls????

[Rain77]

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@twist7d7 wrote:

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@Rain77 wrote:

I got doubled pulled EX & EQ in NY.  

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Mind me asking what your scores were like and other relavent stats?

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Haven't pulled EX in a while but score should be btwn 670-680, 11 inq, only 2 from this year, a couple baddies, but all paid.  EQ according to MYFICO was 742, no inquiries, no baddies (might have a couple lates from 2010).  I do have 2 other citi cards that are almost a year. 

ETA: Overall UTI 23%.  Instant approval 3700, 17.99 apr 

[jsucool76]

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@Involver wrote:

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@mongstradamus wrote:

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@twist7d7 wrote:

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@jsucool76 wrote:

They pulled EQ for me here in FL 

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How do you like the card? it almost sounds to good to be true.

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Sounds okay on paper let's see how it is in practice. You can try it out if you don't mind high Apr and low credit limit

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I don't know why you keep trumpeting this point.  It's not true.  They gave me a $25,000 limit (after a CLI from $10k) with a 12.99 APR.  Can't ask for much better than that.

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Here we go

[mongstradamus]

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@Involver wrote:

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@mongstradamus wrote:

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@twist7d7 wrote:

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@jsucool76 wrote:

They pulled EQ for me here in FL 

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How do you like the card? it almost sounds to good to be true.

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Sounds okay on paper let's see how it is in practice. You can try it out if you don't mind high Apr and low credit limit

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I don't know why you keep trumpeting this point.  It's not true.  They gave me a $25,000 limit (after a CLI from $10k) with a 12.99 APR.  Can't ask for much better than that.

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You are the exception to what I have noticed and looking at cl he has with other cards, I don't think it's far fetched that he would get a 2500 cl and 17.99 apr

[twist7d7]

Id like to get 5k im thinking about getting the QS siggy but dont think i will be approved for it and im not wasting the tripple pull for a denial 

[Rain77]

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@twist7d7 wrote:

Id like to get 5k im thinking about getting the QS siggy but dont think i will be approved for it and im not wasting the tripple pull for a denial 

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And that's a triple pull.  Have you tried the pre-approval for any offers on either card?  I did prequal on Citi DC then app'd.  

[Involver]

I'm inclined to believe based on everything that I've read that their auto approvals are generally substantially lower than they're actually willing to extend to the applicants.  I've seen a lot of substantial CLIs from the initial limits.  It's probably just a conservative algorithm for a new product.  

[twist7d7]

Cap one has been sending me Pre aprovals once a week or so for one of there cards (not the QS siggy) i just tear them up. 

[Rain77]

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@Involver wrote:

I'm inclined to believe based on everything that I've read that their auto approvals are generally substantially lower than they're actually willing to extend to the applicants.  I've seen a lot of substantial CLIs from the initial limits.  It's probably just a conservative algorithm for a new product.  

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Did you call before you recieved the card?  I was thinking I may call upon activation and see if they will bump to $5K.  But either way I'm ok with the limit.  In 6 months I can try with a SP.  

[twist7d7]

Trigger finger got itchy Apped for the cap one Approved with 3k limit. Any use recon this?

[Involver]

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@Rain77 wrote:

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@Involver wrote:

I'm inclined to believe based on everything that I've read that their auto approvals are generally substantially lower than they're actually willing to extend to the applicants.  I've seen a lot of substantial CLIs from the initial limits.  It's probably just a conservative algorithm for a new product.  

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Did you call before you recieved the card?  I was thinking I may call upon activation and see if they will bump to $5K.  But either way I'm ok with the limit.  In 6 months I can try with a SP.  

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I did, yes.  Another poster in the approvals forum relayed how he was able to call in for a CLI after receiving the welcome e-mail with the last four digits without having the card in hand.