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Citibank Double Cash Card is GARBAGE!!


princedazzler
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Ive had the Citibank Double cash card for over 2 years now with a measly $2060 credit limit and with high 700 credit scores,  6 figure yearly income and only 2% Utilization on 18 credit cards, Mortgage and no late payments

These suckas keep declining me for a simple credit limit increase..   Sock drawer it goes.. F Them!!!   Im not saying im entitled  But dang  I KNOW im atleast a good candidate for  Hell a $1000 increase atleast..sheesh  smh

 

Anybody else want to weigh in on this?

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Damn! I was worried about them.  Fresh out of rebuilding I wanted to get a Navy Federal CLOC and the Navy Federal card to get some nice credit limit exposure.  I thought about going after the Citi double cash card but while that 2% is outstanding I never heard much about their limits.... Now I know.  WOW!

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2 hours ago, princedazzler said:

Ive had the Citibank Double cash card for over 2 years now with a measly $2060 credit limit and with high 700 credit scores,  6 figure yearly income and only 2% Utilization on 18 credit cards, Mortgage and no late payments

These suckas keep declining me for a simple credit limit increase..   Sock drawer it goes.. F Them!!!   Im not saying im entitled  But dang  I KNOW im atleast a good candidate for  Hell a $1000 increase atleast..sheesh  smh

 

Anybody else want to weigh in on this?

Did you have a previous negative experience (IIB, CO, etc.) with Citi?

 

I eventually built my largest single-card limit ($81,000) with Citi on one of their Hilton cards, before Amex bought the portfolio.  

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  • 2 weeks later...
On 1/23/2021 at 6:55 AM, princedazzler said:

Ive had the Citibank Double cash card for over 2 years now with a measly $2060 credit limit and with high 700 credit scores,  6 figure yearly income and only 2% Utilization on 18 credit cards, Mortgage and no late payments

These suckas keep declining me for a simple credit limit increase..   Sock drawer it goes.. F Them!!!   Im not saying im entitled  But dang  I KNOW im atleast a good candidate for  Hell a $1000 increase atleast..sheesh  smh

 

Anybody else want to weigh in on this?

 

Missing from the discussion is the reason(s) Citi for the decline detailed in their adverse decision letter.  Absent that, it's very difficult to comment beyond, "I feel your pain". 

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  • 2 weeks later...
On 2/5/2021 at 5:25 AM, hdporter said:

 

Missing from the discussion is the reason(s) Citi for the decline detailed in their adverse decision letter.  Absent that, it's very difficult to comment beyond, "I feel your pain". 

This...and it isn't that you can't get a high limit on that card as my DC card has a $60k limit. 

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I'm disappointed that @princedazzler hasn't returned to CB for at least a peek since this post.  I suspect that given a few more details, we'd have decent suggestions on how to attain a more satisfactory relationship with Citi.

 

I have the highest general regard for Citi (although Chase is king with us these days).  Back when we were struggling in 2001, Citi was the only company that extended a hardship agreement (to Bev) that either didn't result in closure of the account (just suspension), or permitted reopening when we were back on our feet.  It remains as our longest open account, with a 1989 open date.

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On 2/19/2021 at 8:36 PM, hdporter said:

 It remains as our longest open account, with a 1989 open date.

Nice!! I wish I still had my card from 1989 (it was with a local Indianapolis S&L whose M&A chain [Local S&L -> Summit Bank (Ft. Wayne) -> NBD -> First Chicago -> Chase]. In the early 1990s I followed bad advice by a local radio talk show Dave Ramsey wanna-be who at the time said you should only have one credit card, and if you get a new one close out the old one. A few years later I learned the hard way that guy was a total idiot.

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7 hours ago, IndyPoolPlayer said:

Nice!! I wish I still had my card from 1989 (it was with a local Indianapolis S&L whose M&A chain [Local S&L -> Summit Bank (Ft. Wayne) -> NBD -> First Chicago -> Chase]. In the early 1990s I followed bad advice by a local radio talk show Dave Ramsey wanna-be who at the time said you should only have one credit card, and if you get a new one close out the old one. A few years later I learned the hard way that guy was a total idiot.

 

Your experience (and unrelated experience of my own) may inspire me to have a t-shirt printed with the phrase, "Every intelligent thing I know about CREDIT was learned at Creditboards.com!"

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