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.
CK shows poor arrival odds for me. My TU 673 EQ 676 EX 701 (according to discover site). I received a mailer stating pre selected. I had already received a hard pull that same day from requesting an increase on my Amazon Chase card, so i went ahead and applied online for the citi double cash card. I have 0 negatives on my reports, my current utilization is 14%, but have lots of inquires! This year I have been building up my credit card portfolio and purchased a house earlier in the year.
Citi approved me for $1,500. I haven't received the card yet, but was happy to be approved! The online process was easy, just used the numbers that were on my mailer and then filled out the info they asked for. I hope after using it for smaller purchases, I'll get an increase like i did with my Amazon Chase card.
It's just a credit card
This is my fourth card. I guess they don't like me because the credit report they sent me in the mail (not my CK score) reported that at the time of application my credit was 791 (CK was reporting ~700 at the time for comparison) and I only got a $1,500 limit. I was able to have that raised to $2,500 three months later through the online process without a hard pull. Not a terrible card. I used it for the balance transfer option to write a check to myself so I could buy Ethereum lol. Man was I lucky on that!
But after I paid off the balance transfer two months later, I made a couple purchases on the card. The current variable interest it was showing for me was 14.99%. After paying most of it, I decided to leave a balance for this month, something like 7% of my total credit. As soon as the new statement period began, my interest rate went up to 19.99%.
Now this is the first time I've not paid in full on a card that didn't have a 0% offer. Maybe this is normal. Maybe all credit cards increased your interest rate by 33% if you leave a balance. I don't know. But I didn't like it.
And just like others said, customer service isn't very knowledgeable. They only have a copy of the cardholders agreement that they read to you (seriously, if you have yours you can read along). They can't really explain anything.
Great card until I was told I had to resolve an unauthorized purchase myself and would not be reimbursed the $100 I was promised to ship items back after I was told to do so.
This is my primary.
I don't get why people are upset with this card. This card gives 2%! Yes you have to wait a cycle to get it but this is free money. You can only redeem at $25 but that's only $1,250 dollars spent on the card. If you aren't spending at least $1,250 every few months then no, this card probably isn't for you. If you have a low limit, just pay it off more often. Did I mention that this card gives you 2%?!
no introductory apr for purchases
Be carefull before applying this card does not give any introductory apr on purchases but there is a 0% apr for 18 months on balance transfer.
I have no Apr on all purchases for 9 months they.never charged me 1 cent
Horrible customer service..RUDE!!
Customer service experience was the worst until my closing date!!
Great so far !!
I just applied for this card today so I'm not sure how great it really is but I got instantly approved for a credit limit of $2800 which is now my highest credit line with me only being 21 that limit will be perfect credit scores tu 715 eq 721.
The only credit card you need
I started out with a $3700 credit like everyone else now I have $10000. Credit in the high 700s. This is the only card you need. It gets 2% back on everything and I’m using it now to pay off my 2.4% car loan. This is as good as it gets.
Did you get automatic increases, or did you request them?
Good card
I like the dbl cash back it's simple and easy have had two increases so far I have talked to customer service maybe two or three times all of which was simple and straightforward I have had no problems
Simple, easy to understand program
I hate "Points" cards. If you're like me and you want something simple, with cash back for using the product, this is for you. I've made literally thousands of dollars since accepting this card a few years ago. I get 1% cash back right away and another 1% on any balance I pay off as well. Since I pay it off monthly I see money every month. I'm literally being paid to use the card, free money, a no brainer. I pay the card off monthly so interest doesnt matter to me. But i literally charge everything I can to maximize the cash back. LOVE IT! I even tried the price rewind feature and was shocked it actually worked receiving almost $30 back for some tax software I had purchased and Citi found a lower price for me online. I also used the rental car insurance option and received money back on a charge I had for a damaged mirror to a rental vehicle. I've never been more impressed with a credit card.