I want to apply for a CITI double cash credit card, what are the suggestions

[Anonymous]

Hi All,

I want to apply for a CITI double cash credit card, what is the initial credit limit that CITI is gonna give me and will there be any auto credit limit increase for every 6 months ?

I have a credit history of 2 years with the following credit scores.

T.U : Mar'16 (648) -> Mar'17 (747)

E.F : Mar'16 (655) -> Mar'17 (755)

Exp: Mar'16 (630) -> Mar'17 (761)

Total credit limits: Amex(11k) + Capital one (3k) + Barclays (1.3k) = 15.3k , I'm like obsessed with having higher credit limits, i want to improve my total credit limit to 100k - 150k in the next 2 years, any suggestions are welcome.

-Thank you

[Anonymous]

Hello Amar89. I received one with a 1k SL. 3 months later requested a SP CLI and went to 2.5k. Good luck 👍🍀 

[Anonymous]

And welcome to the forum. 

[Anonymous]

We cannot guess your SL from only your scores.
However, I think you have a good chance of approval.

[kdm31091]

Your scores look pretty good for an approval, but nobody can guess your starting limit or how future CLIs will go.

I will say that across the board Citi tends to be stingy with the Double Cash card so don't be surprised if you get approved for 3-5k. Just how it goes with this card most of the time.

[Anonymous]

How did You get such a jump on your scores in 1 year? I'm sitting at a 673 and would love to get into the 700s. I have limited open accounts. CapOne for 3K and a Citi for 1K. Should I be applying for more cards to up my limits?

[Credit_hawk]

Prob not getting anything big with the DC at first. Prob $3-5k starting limit but call them and ask for a manual pull for a CLI. Then you'll have a decent limit

[newhis]

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@Anonymous wrote:
How did You get such a jump on your scores in 1 year? I'm sitting at a 673 and would love to get into the 700s. I have limited open accounts. CapOne for 3K and a Citi for 1K. Should I be applying for more cards to up my limits?

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If you don't have an open loan, you can try the share secured loan technique, it could give you up to 30 points. See here

You may try to report 1 card at $0 balance and the other only small balance (it could be $10) to get a better score.

[Anonymous]

I applied for a double cash card in 2015. At the time my oldest card was only 13 months and my score was 701. I was approved for a $3000 limit, so I would think you would get north of that.

[Anonymous]

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@newhis wrote:

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@Anonymous wrote:
How did You get such a jump on your scores in 1 year? I'm sitting at a 673 and would love to get into the 700s. I have limited open accounts. CapOne for 3K and a Citi for 1K. Should I be applying for more cards to up my limits?

---

If you don't have an open loan, you can try the share secured loan technique, it could give you up to 30 points. See here

You may try to report 1 card at $0 balance and the other only small balance (it could be $10) to get a better score.

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This is a great advice.