What Credit Score is Needed to Get the Citi Double Cash Card?

Citi Double Cash Card, a new credit card from Citi, is the most rewarding cash back card on the market. The offer: 1% when you buy and another 1% as you pay for those purchases later. That’s 2% total cashback on everything you buy.

You don’t have to sign up for rotating categories like the Chase Freedom® card, and you earn cash rewards at a faster rate than with either of those cards (or any other).

Citi Double Cash Card has no annual fee, but it has a three percent foreign transaction fee when you use the card to buy stuff outside the US. The Citi Double cash back doesn’t expire as long you use this credit card and pay your bills on time every month.


What’s Ahead

  1. What is the Minimum Credit scorer required for the Citi Double Cash Card?
  2. What to Do If Your Double Cash Card Application Is Rejected?
  3. How To Increase Your Chances of Citi Double Cash Pre Approval?
  4. What is a Credit Score?
  5. Why Do You Need A Good Credit Score?
  6. Final Thought

Citi Double Cash Credit Card
Citi Double Cash Credit Card

What is the Minimum Credit scorer required for the Citi Double Cash Card?

If you’re looking to apply for the Citi Double Cash Card, keep in mind that they do not offer minimum credit score recommendations on their website. In general, it’s a good idea to have an excellent or above-average FICO rating before applying with this card as well!

A lender will use different models when reviewing your application, and these factors may include payment history (on-time payments), lengths of consecutive months without missing any.)

FICOs’ definition varies per bank but typically ranges from 670 – 783 points; “very Good” thru Excellent range: 780 – 850 pts respectively while exceptional starts at 800 and up. Be sure to check with your bank before applying if you’re unsure what they consider excellent or very good credit score ratings!

Credit scores are typically one factor used in approving an application; other factors may include outstanding debt, on-time payment history (which is how long it’s been since you missed any payments), and types of credit used (credit cards, mortgages, etc.)

What to Do If Your Double Cash Card Application Is Rejected?

If you’re unsure of why your application for the Citi Double Cash Card has been rejected, call or write to their customer service department, and they will explain.

It’s not unusual for a credit card company to request additional information if things like employment history and income level aren’t clearly indicated on your initial paperwork.

Another possible reason is if you have a history of delinquent or late payments with other banks in the past. If this is the case, it may still be possible to get approved for their card, but you’ll more than likely need a cosigner that has an excellent credit score rating and high-income level!

In addition, if your initial application was rejected because there were too many accounts on your credit report, you’ll need to wait at least six months before applying again. Once the account that caused an issue has been paid off or otherwise removed from your credit history, things should improve immediately!

Citi Double Cash Card Customer Service Phone Number: 1-888-201-4523 

How To Increase Your Chances of Citi Double Cash Pre-Approval?

As with most things in life, it’s always best to be proactive if you’re hoping for the Citi Double Cash Card pre-approval. Therefore, check your credit score regularly so that any errors are identified and corrected immediately!

Most banks will offer their free FICO scores every year, but sometimes they’ll also offer them free every month. If you’re not sure, call their customer service department and ask if they offer FICO scores for free every month!

Your credit score is typically based on several factors, which include outstanding debt amounts, credit card balances (as well as the length since your accounts have been opened), types of credit used (credit cards, mortgages, etc.), and on-time payment history (how long it’s been since you last missed a payment).

The above factors are some of the most important aspects to consider when applying for a credit card and those that can affect your chances. Therefore, contacting their customer service department is always an excellent idea before applying! Good luck.

You don’t need to know how, but I’m sure you’ve heard the saying “ignorance is Bliss.” When it comes down to credit scores and improving your score quickly- read my 17 tips for getting out of debt efficiently.

What is a Credit Score?

A credit score is a numerical representation of how financially responsible you are with the money that lenders loan to you. Depending on which model/scoring system they use, these scores go by different names and range from 300 – 800 points or higher, depending on which model/scoring system they use.

Typically, it’s good practice to have an excellent (or above-average) credit score before applying for a credit card. Keep in mind that lenders use different types of scores to judge your financial responsibility, so if you’re unsure how they may view an “excellent” or above-average score, check with them first!

Why Do You Need A Good Credit Score?

Credit scores are typically one factor used in approving an application; other factors may include outstanding debt, on-time payment history (which is how long it’s been since you missed any payments), and types of credit used. A good score will help ensure their money is not wasted by lending to those who do not pay back what they owe.’

Read More: read the detailed review about Citi Custom Credit Card

Final Thought

Whether you’re looking for a card with no annual fee or one that offers cash back rewards on all of your purchases, the Citi Double Cash Card has something to offer. For those who are willing to put in some time and effort into managing their finances responsibly, this may be the perfect credit card for them.

However, before applying for any credit cards online, it is important to understand what your current financial situation looks like first.

Do you have any questions about Citi’s cashback Credit card? Let us know below! We’ll do our best to answer as many of them as we can.

Which credit bureau does Citibank use to pull credit reports?

The three major credit reporting agencies are EquifaxExperian, and TransUnion. Citibank does not disclose which one they use to pull your credit report when you apply for a new account with them.

All three of these companies have information about you on file, so it doesn’t matter which one is used as long as the correct address and phone number are listed.

What is the credit limit on the Citi Double Cash card?

Credit limits on the Citi Double Cash card range from a minimum of $300 to a max of $25,000.

This account offers different credit tiers depending on your overall financial history with Citibank and other lenders who report information about you to one or more credit bureaus.

Generally speaking, if you have good credit (a FICO credit score above 700), you will receive a higher limit than if your overall financial history with other lenders is not so good.

How long does it take to get approved for a Citi Double Cash card?

The Citi Double Cash card can be approved in as little as 30 seconds.
Citibank will pull your credit report before approving or denying your application when you apply for the card.

They may also review other factors like what kind of current accounts (checking, savings) you have with them to determine whether they approve or deny an application.

Why did I get declined for the Citi Double Cash?

One common reason for being denied an application is that you have too many new accounts open.

Applying for a credit card can lower your credit score because it lowers the average age of all of your credit lines. The older this average is, the better it is to lenders since newer accounts are generally riskier than ones with longer histories (i.e., accounts you opened several years ago).

What is the difference between a pre-qualification offer and an instant approval?

A “pre-approval” means Citibank has looked at your credit report to determine whether they want to approve or deny your application for a new account.

An “instant approval” means your application for a new account is approved, but you still have to wait until the card arrives in the mail.

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