How should I respond to a Citi Double Cash invitation to apply? This question is about the Citi® Double Cash Card – 18 month BT offer

To respond to a Citi Double Cash Card invitation to apply, either complete and return the application included with the offer you received in the mail or simply reply online. Responding online is the quicker method and could generate an immediate decision. Just input your invitation code, type your last name, and click "Proceed to Application". Before responding to any such offer, it’s a good idea to double-check the language in the mailing to confirm it’s actually an "invitation to apply". There are differences between an invitation to apply and a pre-approved or pre-selected offer. Each uses different types of information for its targeted offers and indicates different approval odds. What a Citi Double Cash Card Invitation to Apply Means: Invitation to apply - Citibank thinks you’d be interested in the Citi Double Cash Card based on specific demographic information (e.g.: age and zip code) and other criteria. Your credit standing is not a factor, so odds of approval for the Citi Double Cash Card are much lower with an invitation to apply than with a pre-approved or pre-selected offer. Pre-approved offer - Citibank thinks you would be a good candidate for the Citi Double Cash Card, based on a basic review of data from the major credit bureaus. Their assessment of your data is based on a soft pull which doesn’t affect your credit score. Pre-approved offers have the highest odds of approval. Pre-selected offer - You’ve met Citibank’s basic guidelines to qualify for the Citi Double Cash Card, but Citi needs more information before approving you for an account (should you apply). Your odds of approval are slightly less than with a pre-approved offer. The bottom line is that a Citi Double Cash Card invitation to apply is just that, an invitation. While certain invitations (i.e., pre-approved offers) carry higher chances of approval, if you apply, there’s no guarantee you’ll be approved. Credit history, income, debt and other factors crucial to credit card approval are not evaluated fully until you submit an application. Applying for credit cards can temporarily hurt your credit score so be sure to know where you stand before responding to any invitation to apply. You can check your credit report and credit score right here on WalletHub to confirm you generally meet the card’s requirements. You’ll need good credit or better to have decent approval odds for the Citi Double Cash Card.

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How should I respond to a Citi Double Cash invitation to apply?

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This question is about the Citi® Double Cash Card – 18 month BT offer

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@WalletHub • 04/02/21 This answer was first published on 01/27/20 and it was last updated on 04/02/21.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.

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To respond to a Citi Double Cash Card invitation to apply, either complete and return the application included with the offer you received in the mail or simply reply online. Responding online is the quicker method and could generate an immediate decision. Just input your invitation code, type your last name, and click "Proceed to Application".

Before responding to any such offer, it’s a good idea to double-check the language in the mailing to confirm it’s actually an "invitation to apply". There are differences between an invitation to apply and a pre-approved or pre-selected offer. Each uses different types of information for its targeted offers and indicates different approval odds.

What a Citi Double Cash Card Invitation to Apply Means:

Invitation to apply - Citibank thinks you’d be interested in the Citi Double Cash Card based on specific demographic information (e.g.: age and zip code) and other criteria. Your credit standing is not a factor, so odds of approval for the Citi Double Cash Card are much lower with an invitation to apply than with a pre-approved or pre-selected offer.
Pre-approved offer - Citibank thinks you would be a good candidate for the Citi Double Cash Card, based on a basic review of data from the major credit bureaus. Their assessment of your data is based on a soft pull which doesn’t affect your credit score. Pre-approved offers have the highest odds of approval.
Pre-selected offer - You’ve met Citibank’s basic guidelines to qualify for the Citi Double Cash Card, but Citi needs more information before approving you for an account (should you apply). Your odds of approval are slightly less than with a pre-approved offer.

The bottom line is that a Citi Double Cash Card invitation to apply is just that, an invitation. While certain invitations (i.e., pre-approved offers) carry higher chances of approval, if you apply, there’s no guarantee you’ll be approved. Credit history, income, debt and other factors crucial to credit card approval are not evaluated fully until you submit an application.

Applying for credit cards can temporarily hurt your credit score so be sure to know where you stand before responding to any invitation to apply. You can check your credit report and credit score right here on WalletHub to confirm you generally meet the card’s requirements. You’ll need good credit or better to have decent approval odds for the Citi Double Cash Card.

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People also ask

What credit score do you need for Citi Double Cash?

You might get away with a 660, but if you want to make sure you'll be approved, I highly recommend you get your score at 700 or more before applying.

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What should I do if I was denied for the Citi Double Cash?

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.… read full answer

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.

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What is the Citi Double Cash signup bonus?

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

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WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. This question was posted by WalletHub. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered.

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