If your Citi Double Cash Card application was denied, start by reviewing the letter from Citibank citing the reasons for denial. Some common reasons why a Citi Double Cash Card application might be rejected include a low credit score, numerous recent credit inquiries, a pending bankruptcy on your credit report, and incomplete or inaccurate information on the application.
If you think your denial was based on inaccurate information, or if your financial picture has changed since you applied, you can call Citibank's reconsideration line at (800) 695-5171. If you request reconsideration, make sure you review the reasons for your initial denial and be prepared to make an argument for why you should be approved..
Otherwise, there are a couple of paths you can take. If the application was rejected because your credit score or income was too low, consider applying for a credit card with less strict approval requirements. You can use WalletHub's Card Advisor tool to find the most suitable options for you. Signing on to someone else's account as an authorized user is also an option as it will allow you to improve your credit score as long as the account is used responsibly. In time, you might be in a better position to qualify for the Citi Double Cash Card , which requires a credit score of 700, at a minimum. That means you need good credit or better for approval.
There is no Citi Double Cash Card signup bonus. Citi Double Cash Card doesn’t have a signup bonus because it has a higher ongoing rewards rate than other cash back credit cards. There’s also no bonus for referring a friend (only by solicitation) or adding an authorized user.
The only current Citi Double Cash Card bonus is the double cash itself. You get 2% cash back on every purchase (1% when you buy and 1% as you pay for those purchases). The Citi Double Cash Card has a $0 annual fee.… read full answer
Yes, Citi Double Cash Card rewards expire if you don’t make a single purchase or bill payment for a full year. Citi Double Cash Card works by offering 2% cash back on every purchase - half when you make a purchase and the other half as you pay for it. If you haven’t earned cash back on either purchases or payments for longer than a 12-month period, your rewards will expire. Similarly, Citi Double Cash Card rewards expire if you don’t redeem your remaining balance when you close your account. And you won’t be able to earn cash back rewards unless you keep your account current by making at least your minimum payment by the first day of your next billing cycle.… read full answer
These might seem like negatives. But most rewards cards have these rules. And look on the bright side: It’s pretty easy to avoid losing your rewards.
Here’s how to make sure your Citi Double Cash Card rewards don’t expire:
Make at least one purchase within a 12-month period. Simply spending a few dollars every once in a while will earn you cash back on purchases and help you avoid losing rewards due to inactivity.
Pay for your purchases. If you haven’t earned cash back by making a purchase or paying for one for longer than a 12-month period, your rewards will expire.
Keep your account current. Failing to make a minimum payment by the first day of your next billing period will not earn you cash back rewards for any purchases made during the billing cycle for which you failed to make the minimum payment. You will also not earn cash back for payments correlated with those purchases unless you reinstate them and make an eligible payment. You may request reinstatement of your purchases by calling Citibank at (855) 473-4583.
Regularly redeem your cash back. You can get your cash back as a statement credit, check or direct deposit to a bank account. This won’t reset the expiration countdown, but it will keep you from having much to lose.
You may also lose your rewards if Citibank closes your account due to irresponsible or illegal behavior. That includes fraud, misuse, abuse or not making the minimum payments for a long time
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