💳 Why do I keep getting denied for the Citi Double Cash Credit Card?
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- เผยแพร่เมื่อ 15 มิ.ย. 2024
- If ever something was personal, this is. The algorithm says no, and the Citi rep says no. Now I want the Citi Double Cash credit card even more. The irony is that I don't actually need this card 😂.
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I was denied as a result of too many inquiries and new card accounts within the last 12 months. Btw, my 2nd Citi Premier is reserved for a product change to a 2nd Citi Custom Cash. Let's hear your stories. You must have some...
I got denied for the Citi Custom Cash 3 times! It's absolutely ridiculous. And I saw people with worse FICO scores/profiles being accepted, which doesn't make any sense!
Citi will deny you if you have over 10 or more inquiries within the last 12 months. I got in an argument with a Citi rep and she snapped back "I'm not even supposed to look at this if you have over xx inquiries within the last 12 months". To be honest, she either said 9, 10 or 11 but in my heated argument I only realized that she gave me a gem after the call but i just cannot recall the exact number.
@@RSquared-travel-rewards Seems like she said the quiet part out loud. I thought it may be inquiries, as I'm a big churner. I think I need to garden until I'm at 5/12 inquiries.
@@zionismisterrorism8716 it most certainly is inquiries for me as to why I've been denied for the double cash multiple times. I'll try again in a few months because I value my Citi setup. Just 1 card away from the Citi Magnificent 5. I however will never acquiesce or buy into Chase 5/24. There are way too many great offers out there for me to worry about Chase. Additionally, Chase always relaxes their rules when they need to meet nums and that's when I pounce.
I now have the Freedom Flex, Sapphire Reserve and the Marriott Boundless and I got them all without ever being concerned about Chase 5/24. Once I hear that folks are getting approved that's when I think about Chase.
You missed something very important. What were the reason(s) for denial?
Btw just got my first Citi card. The Double Cash! Was even more excited to find out I can transfer to JetBlue without having the Premier. So my next year or two will be based around getting multiple custom cash cards, the premier, and the rewards+ for the 10% redemption bonus.
Congrats! Welcome to responsible credit card ownership where we never pay interest. I was denied for too many recent inquiries and new card accounts within the last 12 months.
Is the JetBlue thing a limited promotion? Is there a link to news on this? Feel free to email me evidence, always need facts before repeating.
I’m literally gardening to go below 5/24 not for chase but for the savor one which i just can’t seem to get approved for even at 799 credit score 😩
We're at their mercy because we don't know what they are looking on our credit profiles. We know they are sensitive to hard pulls and # of recent accounts.
I'm laying low until July. Let's see if I have the discipline 🤣
Having the same issue with custom cards. Got denied twice though I was just approved for the US bank cask +. Eyeing the US Bank Visa soon.
Check out my Gold replacement video with 3 Citi Custom Cash cards. If I don't get approved for the double cash when I try again in 5 months, I'll pass on it because I don't actually need it 😊
I just like using cards so then when I make a video, I'm speaking from experience.
My score Fico score is 754 and I applied for the Citi Card and got the card😂My credit limit it's very much but I don't need very much$ 1700.00 but not to bad for the first time I'm very happy 😊
Congratulations. I will never give up. I'm determined to get the double cash. I just need a few more inquiries to roll off.
I Only have 4 inquiries, when I started working on my credit I was ashame because it was 460 that was 3 years ago now I'm at 756 it took a lot of work but I now have 4 credit card Amex, Chase, Discover, now Citi credit card, Thank you for sharing your video with us
It would have been nice to hear their reason for denial. Data points are aways helpful
Too many inquiries and too many new accounts over the past 12 months. You know, the usual.
I did gleam that they are not supposed to even both with an application if it has 9 or more inquiries in a 12 month period. I'm 90% sure that was the number mentioned.
Let's hear a couple of stories AND be sure to not skimp on the details 😂
You do have an option to product change one of your Citi cards to the Double Cash…..
Product change isn't a given but that product change is reserved for a 2nd Custom Cash.
Wells Fargo - those jabronies - keep denying me for the Autograph. Citi Premier is better anyway so I’m not stressing
Hahahaha. Born and raised in Lebanon so never heard the jabronies term before. Very funny 😂😂
So the Rep call your bluff and you cave 😅. I hate it when that happen, feel so powerless.
I caved immediately 😂😂. I was so sure that she was going to buy my argument lol. I'm going to try again in July if the Strata isn't out by then.
I can't get Amex Amazon Business Card. I keep getting denied lol
Do you have the Chase personal one? Do you already have 5 Amex biz cards?
Barclays AA Avoator red. Sigh that easy sign up bonus
Yeah, the Barclays 60K AA miles is a solid offer. I'm thinking the Citi Business AA but I wanted this double cash first but I might finally have to move on.
Are you going for it again in 6mos?