Wanted Equifax Score
Hey everyone, I applied for this card and was approved for $3,700. I was hoping for a higher limit, but I guess that will have to do for now. My current fico scores are 711 though both Transunion and Experian. I'm not sure what my Equifax fico score is, but guess what? That's why I got this card. Discover shows my Transunion score, AMEX shows my Experian score, and I was told that Citi shows the Equifax score. After logging in my account for the first time today, I can confirm that this card shows your Equifax score. It won't show mine until my first statement though, as I just activated the card today. So now I get my fico scores for free from every credit bureau. Here are my current credit card limits:
American Express Everyday Preferred: $8,000
Capital One Quicksilver: $6,500
Discover It: $2,300
Citi Double Cash: $3,700
By the way, my credit score was in the 500's a couple years back because of some stupid decisions I made in the past, and my little knowledge at the time of how credit worked. My advice is to be patient, pay your bills on time, keep your credit utilization below 30%, and ask for higher limits from your credit cards every 6 months (most credit cards will not do a hard pull for this, and if they do, they'll let you know). Your score will creep back up slowly. Hope this helps.
Excellent Cash Back Credit Card
After two years - this card is used for around 70% of all purchases. No hassles. Excellent customer service. Highly recommended.
View my previous review....
N
Love the rewards, good CS and feature app
Title hits the mark pretty well. Haven't had the card long and have already racked up some good rewards. I had a fraud prevention team contact me, no issues there helpful people, and I'm enjoying their mobile app. Oh and I can also attest to the fact you can increase your limit in only 60 days, easily done also on the app
Hello, which credit bureau did they use?
So, you haven't had the card long but you already have rewards? 🤔I had mines for 3 months and they didn't give me my rewards. I hope your experience is different from mines. CitiBank is a horrible organization, hope you can actually collect on your rewards. Stay blessed.
They pre approve you, for $500 credit lm
They pre apporved me for many different citi cards, so after getting so many requests from mail, I applied for one for the card.
I got pre approved for $500 yeah that too with free balence transfer. Just Imagine, you can use $500 for balence transfer, great idea right?
CitiBank WILL LIE TO YOU
I applied and was approved in March, 2017 for the 0% APR for 18 months and 0% APR for 4 months on balance transfer, so I thought. My limit was $1700. I figured since i dont have to worry about interest for 18 months I could afford to buy much needed items for the house. I charged $1600 to the card. I wasnt until after May I looked at my statement and realized they were charging me interest for entire time. At first I was calm, thinking they just made a mistake and all would be fine after a phone call. I called told them about the charges, then they acted as if that wasn't a promotion. I became furious and immediately paid the card off in full. I asked for my cashback reward and they said it was under the redeemable limit which is $50. After all of that I cancelled the card. PLEASE TAKE MY ADVICE AND DONT DO BUSINESS WITH THIS COMPANY. Corporations like this dont deserve to have our money. I have 3 other credit cards and never had these types of issues. I hope my review saves someone time and money.
You understand that a balance transfer is not a new purchase right? A balance transfer is where you transfer your debt from one lender to another. Citibank didn't like, you just didn't understand the terms of the agreement.
Worst Customer Service of Any Bank
Go with Discover or Amex as they are far superior. Citi has terrible customer service and doesn't want your business, whereas Discover and Amex will work to serve you.
Been Beneficial So Far
I have seen the reviews of this card online, both good and bad. I have yet to have a problem with the company. They are straightforward and tell me when things are due, and how much to pay them. I recommend them to people if you can get it. I also am someone who will pay with the cash I have rather than borrow, but they haven't made me regret anything!
They are liars. But it's good that your experience is different from mines.
Does what it says on the tin.
I've had the card for over 2 years now... I have a couple other specialty category cars, but this is my general use (everything else) card. 2% is a nice floor. The limit started low, but Citi lets you request an increasse every 6 months or so with no hard pull. I've been approved for most of those.
All-in-all this card has been good to me.
Its okay
I actually applied for a Best buy card and was denied. Then I received a email from Citi for the Double Cash card. I was approved with a $800 limit. I've only have the card going on 2 months. My credit scores was in the low 600's. I just started actually building my credit within the past few months. So after I applied and was approved for this card, I was reading mixed and complex reviews. The card seems okay. I did try to hit the love button but yeah, that was a no go lol. When Citi pulled my credit they pulled from all 3 bureaus. But not shortly after I was approved I received a sign-up offer with Fifth Third Trio. I seem to like that card as well. But the card you will get more rewards is actually the Chase Amazon Prime Visa. Hope this helps. Oh yeah i also have Capital One Quicksilver, not Quicksilver one!
Worst card when looking for credit limit
Do not apply if you are looking for good credit limit. I've a credit score of 775 and got a credit limit fo $2600/-.