What is the Citi Double Cash card credit score requirement?

I had a 709 score and $75k income with 3% uti and was declined. I was told they like to see you carry balances, and I generally do not do that.

Grayson Moot @grayson_moot

Yeah, you need a good credit score for this card, so you should have at least 700 to have a shot.

Rishabh, Member

@rishabhganguli1999 • 03/19/20

I got approved for the Citi Double Cash with an Experian score of 626. I had a 2% utilization and a 35$ balance. I think what helped was the fact that I don’t have any debt obligations like rent or a mortgage.(I'm a 19-year-old college student who stays with his parents). If you’re in a similar situation, you could apply. It still might be a longshot. I have 5 inquiries on my file including the citi inquiry. Got denied a month ago for the Capital one secured which made this citi approval feel a lot better. Currently have a Discover Student 5% cashback and the amazon prime visa signature from chase in my credit card arsenal.

This answer was first published on 03/19/20. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

@jackp_32

no way with 626 score,when they say u need at least 700 Fico score

Rishabh @rishabhganguli1999

Also my annual income is around $30k.

texasnugent, Member

@texasnugent • 11/10/20

Yep… wish I had read this before I applied. As a guidance to others, maybe put your desired balance transfer amount lower than what you’d honestly like to transfer. I listed 15k as my desired balance transfer amount and then was denied with a score of 768 and a salary of over 100k. Hope everyone stays safe in these tough times…. much love to all who are responsibly arranging their debts and finances amidst this pandemic.

This answer was first published on 11/10/20. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

Rey, Member

@DebtCrusher • 10/04/20

Citi mailed me a pre-approval letter. I have two accts with them and they had recently turned me down for a credit limit increase on my Exxon Card. So I wasn't expecting to get approved with a current 42% credit utilization. However much to my surprise even with a 670 Experian, 663 TU and 653 EFX I was auto approved with a good initial credit limit. So I guess credit score is not the end all, be all in the approval algorithm.

This answer was first published on 10/04/20. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

stephanieenglescotter, Member

@stephanieenglescotter • 01/12/19

They have a prequalification that won't affect your score. No hard pull. I got an invite in mail and approved with a 641. My usage stays below 17% at all times. Low debt to income ratio. Only 2 hard inquiries. Rebuilding after separation and paying everything off. All closed accounts. Got first credit card a few months ago in over 15 years to start boosting score. I use and payoff immediately. This will be my card of choice to pay everything then pay off. Free Christmas money!!

This answer was first published on 01/12/19. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

Deanna Visalle, Member

@deannav_4 • 06/09/18

I was just approved for a Citi Double cash a few days ago. My average Fico was about 632. But my other factors probably helped. Only 4 hard inquiries in the last two years (but that's because of the SCT). Zero late payments in over two years. (it would be longer but a charge off was errouneously listing my payment as 'late') And my credit utilization was 35%.

This answer was first published on 06/09/18. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

Deanna Visalle @deannav_4

I know this is late for you but may help others. For me, yes. The initial credit limit was $3,500.

Angie Brantley @angiekayeb

Can I ask if they gave you a high enough credit limit to take advantage of the 0% APR?

Timothy Baker, Member

@tether52 • 01/24/18

700 is the safe spot, but you could go lower with a good income. Good luck!

This answer was first published on 01/24/18. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

Nathan Preston, Member

@nathan_preston • 01/12/18