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How long of a wait to apply for Citi DC?!

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Anonymous
Not applicable

How long of a wait to apply for Citi DC?!

HI,

 

I've been dying to get my hands on the Citi Double Cash Card! Tired of thinking I could've / would've gotten 2% rather than 1.5 on my reg purchases. Smiley Sad

 

Reason for the question are; I just opened an Amex BCP couple months ago and was worried if it was too soon to apply for another. Only new card opened since 11'

 

Lastly, I just checked my Amex purchases... 9.5K in purchases and 7K+ are REG PURCHASES gained @ 1%. I know I should have used the CAP but was dealing with EQ atm and didn't want to use the card.

 

Ultimately, I don't want citi to see my newly opened acct as a negative and not offer me the best rate/CL. Amex offered the best rate and CL but that was before with no opened CC (above 8XX)

 

Thanks in advance Fico ™

 

 

 

 

 

 

Message 1 of 34
33 REPLIES 33
Kostya1992
Established Contributor

Re: How long of a wait to apply for Citi DC?!

I mean.. with only 1 inquiry on your CRs feel free to apply.. I'm guessing your AAoA is at least 3 years? Any baddies on your reports? What is your overall utilization as of this moment?
TU08 FICO850
EX08 FICO850
EQ08 FICO850

Message 2 of 34
Anonymous
Not applicable

Re: How long of a wait to apply for Citi DC?!

One inquiry and your worried? App now and try to get some sign up bonus.
Message 3 of 34
Kostya1992
Established Contributor

Re: How long of a wait to apply for Citi DC?!

His worry is not getting the best APR and a nice CL. I'm guessing the AMEX pulled EX and Citi will pull EQ so that new inquiry may be a nonfactor.
TU08 FICO850
EX08 FICO850
EQ08 FICO850

Message 4 of 34
Anonymous
Not applicable

Re: How long of a wait to apply for Citi DC?!

@ kostyan1992

 

I do have other hard pulls (non CC)...  but one of them happened to be BOFA. I didn't know it was a HP, I was never told by the rep till I saw my report. It wasn't even a request of CLI... (never tried it before on all my CC). I only asked if I can go over maybe 2K to pay for something and all of sudden I get HIT. (I have Visa Sig if wondering). 

 

Stupid if you ask me.... HP for a lousy 2K bump, I would have declined.

 

So only 1 for this year. I read on other threads that it was recommended to wait 6 months before applying for another. But wanted to know if my case would be an exception? 

 

hahah thats how bad I want to apply Smiley Embarassed

 

My longest card is little over 10 years

Util @ around 5% or lower

Message 5 of 34
Kostya1992
Established Contributor

Re: How long of a wait to apply for Citi DC?!

You seem to have a really fat profile full of positive history. I'd say apply now. IF for some reason you don't get the terms you want, call the recon line and demand them.
TU08 FICO850
EX08 FICO850
EQ08 FICO850

Message 6 of 34
Anonymous
Not applicable

Re: How long of a wait to apply for Citi DC?!

Someone give you bad advice. You got 3 credit bureau. You should have no problem with 6 from each bureau as long as you scores are strong.

What state do you live? I'll go find out what bureau they pull. Citi pulls EQ or EX based on what state you live in.
Message 7 of 34
Anonymous
Not applicable

Re: How long of a wait to apply for Citi DC?!

BofA pulls EX for app and TU for cli.
Message 8 of 34
Anonymous
Not applicable

Re: How long of a wait to apply for Citi DC?!

I recently had an auto only 1.5 years ago.... all 4 pulled 1 day apart (will be 2 years in 4/15)

BOFA 

Amex

1 other

 

All from EX.... 7?

 

I reside in CA. Thank you so much to both.

Message 9 of 34
Anonymous
Not applicable

Re: How long of a wait to apply for Citi DC?!

Near LA Ex. Near San Diego EQ

Message 10 of 34
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