I was going to apply for a card with US Bank but when I got to thinking about it, they would probably deny me again, so I went to look at Citi's cards. The main page had an offer to get $200 for spending $1500 in 6 months with a Double Cash, and I know those offers don't usually last, so I spun the wheel. $7600 from generally stingy Citi is not bad and they even gave me the lowest APR. This is my third card with them. I'm going to have customer service add my Double Cash to the TYP pool so I can get 2.22% and I'll start using the DC when I need virtual card numbers. 4/24, $70K HHI with ~$22K non-taxable, pulled TU and EX (I don't know why Citi does this but they always double pull me and it's always those two). This card put me over $250K in total credit limit. :dance:
Post

Citi Double Cash

1 of 9
5 months ago
Fri May 03, 2024 7:56 pm
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Saeren
Rebel Administrator
Recent HP or new account.
Level0 Last INQFriday, August 23, 2024 Gardening For24 days, 13 hours, and 27 minutes Next Level in6 days, 10 hours, and 33 minutes on September 23rd INQ 1yr onSaturday, August 23, 2025 INQ 1yr in11 months, 6 days, 10 hours, and 33 minutes INQ 2yr onSunday, August 23, 2026 INQ 2yr in1 year, 11 months, 6 days, 10 hours, and 33 minutes Goal6 months Goal DateSunday, February 23, 2025 Goal In5 months, 6 days, 10 hours, and 33 minutes
I was going to apply for a card with US Bank but when I got to thinking about it, they would probably deny me again, so I went to look at Citi's cards. The main page had an offer to get $200 for spending $1500 in 6 months with a Double Cash, and I know those offers don't usually last, so I spun the wheel. Image Image $7600 from generally stingy Citi is not bad and they even gave me the lowest APR. This is my third card with them. I'm going to have customer service add my Double Cash to the TYP pool so I can get 2.22% and I'll start using the DC when I need virtual card numbers. 4/24, $70K HHI with ~$22K non-taxable, pulled TU and EX (I don't know why Citi does this but they always double pull me and it's always those two). This card put me over $250K in total credit limit. :dance:
Saeren
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Rebel Administrator
  • Score data TU8 799/EX8 786/EQ8 805
    EQ5 770/EX2 757
    8/18/2023
4
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Re: Citi Double Cash

2 of 9
5 months ago
Fri May 03, 2024 9:29 pm
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mgood
Seasoned Rebel
Level4 Last INQMonday, May 13, 2024 Gardening For4 months, 3 days, 13 hours, and 27 minutes Next Level in26 days, 10 hours, and 33 minutes on October 13th INQ 1yr onTuesday, May 13, 2025 INQ 1yr in7 months, 26 days, 10 hours, and 33 minutes INQ 2yr onWednesday, May 13, 2026 INQ 2yr in1 year, 7 months, 26 days, 10 hours, and 33 minutes Goal12 months Goal DateTuesday, May 13, 2025 Goal In7 months, 26 days, 10 hours, and 33 minutes
Congratulations!
Saeren wrote: ↑Fri May 03, 2024 7:56 pm This card put me over $250K in total credit limit. :dance:
Nice 8-) I recently got to $200k. Seems like more than I need, but, you know, each of those cards needs a little cushion. If I make a big purchase on that card, I don't want it to ding my utilization too bad.
mgood
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Seasoned Rebel
  • Score data EQ8:762 TU8:748 EX8:758 (Sep 14)
    AZE9 - 4% Utl
    New Accts: 1/6, 3/12, 6/24
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Re: Citi Double Cash

3 of 9
5 months ago
Fri May 03, 2024 9:31 pm
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Saeren
Rebel Administrator
Recent HP or new account.
Level0 Last INQFriday, August 23, 2024 Gardening For24 days, 13 hours, and 27 minutes Next Level in6 days, 10 hours, and 33 minutes on September 23rd INQ 1yr onSaturday, August 23, 2025 INQ 1yr in11 months, 6 days, 10 hours, and 33 minutes INQ 2yr onSunday, August 23, 2026 INQ 2yr in1 year, 11 months, 6 days, 10 hours, and 33 minutes Goal6 months Goal DateSunday, February 23, 2025 Goal In5 months, 6 days, 10 hours, and 33 minutes
mgood wrote: ↑Fri May 03, 2024 9:29 pm Congratulations!
Saeren wrote: ↑Fri May 03, 2024 7:56 pm This card put me over $250K in total credit limit. :dance:
Nice 8-) I recently got to $200k. Seems like more than I need, but, you know, each of those cards needs a little cushion. If I make a big purchase on that card, I don't want it to ding my utilization too bad.
lol a big purchase for me is like... $1K when I buy my annual new phone lol. I definitely don't need all this credit but it's fun to collect.
Saeren
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Rebel Administrator
  • Score data TU8 799/EX8 786/EQ8 805
    EQ5 770/EX2 757
    8/18/2023
3
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Post

Re: Citi Double Cash

4 of 9
4 months ago
Sat May 04, 2024 9:31 am
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Dinosaur
Seasoned RebelDinosaur
Level5 Last INQMonday, April 8, 2024 Gardening For5 months, 8 days, 13 hours, and 27 minutes Next Level in21 days, 10 hours, and 33 minutes on October 8th INQ 1yr onTuesday, April 8, 2025 INQ 1yr in6 months, 22 days, 10 hours, and 33 minutes INQ 2yr onWednesday, April 8, 2026 INQ 2yr in1 year, 6 months, 22 days, 10 hours, and 33 minutes Goal24 months Goal DateWednesday, April 8, 2026 Goal In1 year, 6 months, 22 days, 10 hours, and 33 minutes
Saeren wrote: ↑Fri May 03, 2024 7:56 pm I was going to apply for a card with US Bank but when I got to thinking about it, they would probably deny me again, so I went to look at Citi's cards. The main page had an offer to get $200 for spending $1500 in 6 months with a Double Cash, and I know those offers don't usually last, so I spun the wheel. [Quoted post had an image here.] [Quoted post had an image here.] $7600 from generally stingy Citi is not bad and they even gave me the lowest APR. This is my third card with them. I'm going to have customer service add my Double Cash to the TYP pool so I can get 2.22% and I'll start using the DC when I need virtual card numbers. 4/24, $70K HHI with ~$22K non-taxable, pulled TU and EX (I don't know why Citi does this but they always double pull me and it's always those two). This card put me over $250K in total credit limit. :dance:
WOW! When your hot you hot ... :) Obtained said card years back and it has served me well! Citi never used to offer subs on Double Cash, so you sweeten the pot!
Dinosaur
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Seasoned Rebel
  • Score data EQ8:807 TU8:802 EX8:799
2
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Re: Citi Double Cash

5 of 9
4 months ago
Sat May 04, 2024 11:44 am
User avatar
mgood
Seasoned Rebel
Level4 Last INQMonday, May 13, 2024 Gardening For4 months, 3 days, 13 hours, and 27 minutes Next Level in26 days, 10 hours, and 33 minutes on October 13th INQ 1yr onTuesday, May 13, 2025 INQ 1yr in7 months, 26 days, 10 hours, and 33 minutes INQ 2yr onWednesday, May 13, 2026 INQ 2yr in1 year, 7 months, 26 days, 10 hours, and 33 minutes Goal12 months Goal DateTuesday, May 13, 2025 Goal In7 months, 26 days, 10 hours, and 33 minutes
Dinosaur wrote: ↑Sat May 04, 2024 9:31 am Citi never used to offer subs on Double Cash, so you sweeten the pot!
The Double Cash used to be the only game in town available to most people for 2% back. Now there are others offering 2% back and a SUB, so I guess Citi has had to step up their game.
mgood
User avatar
Seasoned Rebel
  • Score data EQ8:762 TU8:748 EX8:758 (Sep 14)
    AZE9 - 4% Utl
    New Accts: 1/6, 3/12, 6/24
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Post

Re: Citi Double Cash

6 of 9
4 months ago
Wed May 08, 2024 11:48 am
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Saeren
Rebel Administrator
Recent HP or new account.
Level0 Last INQFriday, August 23, 2024 Gardening For24 days, 13 hours, and 27 minutes Next Level in6 days, 10 hours, and 33 minutes on September 23rd INQ 1yr onSaturday, August 23, 2025 INQ 1yr in11 months, 6 days, 10 hours, and 33 minutes INQ 2yr onSunday, August 23, 2026 INQ 2yr in1 year, 11 months, 6 days, 10 hours, and 33 minutes Goal6 months Goal DateSunday, February 23, 2025 Goal In5 months, 6 days, 10 hours, and 33 minutes
Citi already reported it. Ouch. Image
Saeren
User avatar
Rebel Administrator
  • Score data TU8 799/EX8 786/EQ8 805
    EQ5 770/EX2 757
    8/18/2023
1
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Post

Re: Citi Double Cash

7 of 9
4 months ago
Wed May 08, 2024 9:48 pm
A default user avatar.
EvenBetterThanTheRealThing
Seasoned Rebel
Level5 Last INQFriday, April 12, 2024 Gardening For5 months, 4 days, 13 hours, and 27 minutes Next Level in25 days, 10 hours, and 33 minutes on October 12th INQ 1yr onSaturday, April 12, 2025 INQ 1yr in6 months, 26 days, 10 hours, and 33 minutes INQ 2yr onSunday, April 12, 2026 INQ 2yr in1 year, 6 months, 26 days, 10 hours, and 33 minutes Goal12 months Goal DateSaturday, April 12, 2025 Goal In6 months, 26 days, 10 hours, and 33 minutes
Saeren wrote: ↑Wed May 08, 2024 11:48 am Citi already reported it. Ouch. [Quoted post had an image here.]
Congrats on the approval, but :o on the superfast reporting. I'm perma blacklisted with Citi so I'll never experience their reporting again.
EvenBetterThanTheRealThing
A default user avatar.
Seasoned Rebel
  • Score data EQ8 688 TU8 698 EX8 692
    EQ9 711 TU9 707 EX9 717
    EQ10T 693 TU10T 704 EX10T 679
1
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Post

Re: Citi Double Cash

8 of 9
3 months ago
Wed Jul 03, 2024 4:34 am
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ptatohed
Seasoned Rebel
Time to add the Rewards+ companion card and make that baby 2.22% CB for the first $100 earned per year. ;)
ptatohed
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Re: Citi Double Cash

9 of 9
2 months ago
Wed Jul 03, 2024 3:13 pm
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Saeren
Rebel Administrator
Recent HP or new account.
Level0 Last INQFriday, August 23, 2024 Gardening For24 days, 13 hours, and 27 minutes Next Level in6 days, 10 hours, and 33 minutes on September 23rd INQ 1yr onSaturday, August 23, 2025 INQ 1yr in11 months, 6 days, 10 hours, and 33 minutes INQ 2yr onSunday, August 23, 2026 INQ 2yr in1 year, 11 months, 6 days, 10 hours, and 33 minutes Goal6 months Goal DateSunday, February 23, 2025 Goal In5 months, 6 days, 10 hours, and 33 minutes
ptatohed wrote: ↑Wed Jul 03, 2024 4:34 am Time to add the Rewards+ companion card and make that baby 2.22% CB for the first $100 earned per year. ;)
I already have it as well as the Custom Cash with all three TYP pools combined into one. ;)
Saeren
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  • Score data TU8 799/EX8 786/EQ8 805
    EQ5 770/EX2 757
    8/18/2023
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