You need a credit score of 700 or higher to get approved for the Citi Double Cash Card. Citi Double Cash applicants need good credit or excellent credit to qualify, and a 700+ credit score satisfies the card's requirement. Simply having a 700 credit score does not guarantee approval, however. There are other factors in play, including how your income compares to your debt obligations, and your overall ability to make credit card payments.
Finally, if you don’t think you have the kind of credit score needed for Citi Double Cash Card approval, that doesn’t mean you’re out of options. You can check out the rest of WalletHub’s picks for the best rewards credit cards to find an offer that suits your standing. Keeping your account in good standing by paying your bills on time and in full will help you improve your credit score and gain access to better credit card deals.
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.
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.
You need a credit score of at least 700 for a Citi credit card in most cases. That means applicants for Citi credit cards need at least good credit to be approved. But it really depends on which card you’re after. Some Citi credit cards require higher scores, and one accepts applicants with limited credit history.… read full answer
Below, you can see what Citi cards your credit score will allow you to pursue, along with other information about approval.
Citi credit score requirements:
Limited History: For those with little or no credit history, the Citi Secured is a good option. A refundable security deposit of $200 is required. It doesn’t give any rewards, but it does offer a $0 annual fee and can help you rebuild your credit.
Excellent credit (750 and up): You’ll be eligible for all of Citi’s cards with a score in this range, assuming your income and other information check out. But the only excellent-credit-only option is the Costco Credit Card (cash back oriented, offering 1 - 4% cash back on different spending categories).
Other requirements: It takes more than just a good enough credit score to get Citi credit card approval. In particular, you need enough income to pay the monthly bills, along with your existing debts. You’ll also need a valid Social Security number (or ITIN) and U.S. mailing address.
If you’re not sure which Citi credit card you’ll be able to qualify for, it’s easy to get pre-qualified for a credit card online. Citi might also send a pre-qualified credit card offer to potential customers. But while this increases your chances for approval, it does not guarantee it. If you have received such an offer, visit Citi’s web page and enter your invitation code and last name to apply.
Also, keep in mind that applying for a Citi or any other credit card triggers hard inquiries and can temporarily lower your score - the more inquiries over a short period of time, the more damage to your score. So it’s best to know where you stand before applying for any credit card. You can check your credit score and track your progress for free, right here on WalletHub.
Citi uses all three major credit bureaus: Equifax, Experian, and TransUnion. Citi tends to use at least two of the three credit bureaus when it reviews credit card applications, according to reports from cardholders. People who applied over the past two years also suggest that Citi pulls from Experian most frequently. Where you live may factor into which credit bureau Citi uses, too. … read full answer
When Citi checks an applicant’s credit report through one of the credit bureaus, it makes a “hard inquiry” or “hard pull.” A hard inquiry may cause your credit score to drop a few points. And it will stay on your credit report for two years, though it only affects your score for the first year.
The Citi Double Cash Card offers a cash back rewards program ( 2% cash back on every purchase (1% when you buy and 1% as you pay for those purchases)) while the Citi Simplicity Card doesn’t offer a rewards program at all.… read full answer
However, Citi Simplicity Card is one of the best 0% credit cards on the market. It offers an intro APR of 0% for 21 months on balance transfers and 0% for 12 months on new purchases, thus making it great for individuals who want an extended promotional APR period to save interest on big-ticket purchases or balance transfers. There is a 5% (min $5) balance transfer fee and a regular APR of 15.49% - 25.49% (V).
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.
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!!
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%.
Yeah, you need a good credit score for this card, so you should have at least 700 to have a shot.
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