Citi Costco Visa Data share

[Creditplz]

approved and Limit:
EX 08 Fico:
EQ Fico 08:
Instant or Review?:
First citi card?:
AAOA:
Derogs?:
Util:
Total EX & EQ Inquiries:
Last 12 months:
Last 6 months:
New Accounts in last 12 months:
Last 6 months:




Just so all of the Myfico family can see if they changed UW standards or are more lenient/strict with this particular card.

[Anonymous]

approved and Limit: 5500
EX 08 Fico: 697 (on 5/7/2016)
EQ Fico 08: 690 (5/24/2016)
Instant or Review?: review, approved 4.5 hours later
First citi card?: No, have a double cash opened 3/2016 (1200 limit), a BB Visa opened 8/2015 (3k), and a home despot opened 2/2015
AAOA: EX says 4yr7mo EQ says 2yr6mo
Derogs?: EX 1 satisified judgment, EQ 3 satisfied judgments, both have one 30 day late from 2011
Util: 4.42%, with balances on 3 cards, one of which is the CITI BB Visa
Total EX & EQ Inquiries: EQ - 9 (3 are Citi), EX 13 (3 are Citi)
Last 12 months: EQ -  7 (3 are Citi)
Last 6 months:  EQ - 5 (2 are Citi)
New Accounts in last 12 months: 5
Last 6 months: 2

To the garden for me!!!

[Anonymous]

Just putting EX data as that's what Citi always pulls for me in CA and that's the only pull this time as well.

approved and Limit: $5500
EX 08 Fico: 688
EQ Fico 08: Not pulled
Instant or Review?: Instant
First citi card?: No, have a DC
AAOA: 1.2 years
Derogs?: No
Util: 9%
Total EX & EQ Inquiries: 4
Last 12 months: 4
Last 6 months: 3
New Accounts in last 12 months: 16
Last 6 months: 15

One extra thing that I'm not sure is an indicator of UW or not...I have never had a prequal for anything on the Citi site. My DC was a pre-approval mailer. I checked the prequal site right before apping too.

[CreditCuriosity]

Thanks for creating this thread.. Be good source of info for approval/denials along with any information regarding old baddies, etc for other peoples help... On fence about applying, but need more sample size and data first

[Loquat]

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@CreditCuriousity wrote:

Thanks for creating this thread.. Be good source of info for approval/denials along with any information regarding old baddies, etc for other peoples help... On fence about applying, but need more sample size and data first

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+1. My wife wants to apply but I told her to hold off until I read additional data here on the forum.  She currently has a 6.2k Simplicity and a $8k Diamond Preferred.  One opened 13 months ago and the other over 2 years ago.  We currently have the category covered with the 2% BoA Cash Rewarsds (2.2% with 10% BoA account bonus) for wholesale club, Sam's Club MC for dining, and PenFed Cash Rewards for fuel.  None of this seems to matter mich to her as she wants this card.  I'm holding her off for now but I'm not sure how much longer I can...   

[surferchris]

Thanks for the info everyone.

[ojefferyo]

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@Creditplz wrote:

approved and Limit: yes, $11k
EX 08 Fico: In the upper 700's 
EQ Fico 08:
Instant or Review?: Got a message to call in, thought it was verification but no other info was asked.
First citi card?: no, second card
AAOA: around 7 years
Derogs?: no
Util: about 4%
Total EX & EQ Inquiries: EX around 18
Last 12 months: 2
Last 6 months: 1
New Accounts in last 12 months: 1
Last 6 months: 0




Just so all of the Myfico family can see if they changed UW standards or are more lenient/strict with this particular card.

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[RonM21]

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@CreditCuriousity wrote:

Thanks for creating this thread.. Be good source of info for approval/denials along with any information regarding old baddies, etc for other peoples help... On fence about applying, but need more sample size and data first

---

+1

I'm.with you on this. Don't know if I'll apply,  but I'm looking to see a lot if the data points to guage where I stand.

[adamkingadam]

approved and Limit: yes,3500
EX 08 Fico: 638
EQ Fico 08: 632
Instant or Review?: Instant
First citi card?: Yes
AAOA:4.6 
Derogs?: 1 late EX 6 yeas ago, two paid tax liens EQ
Util: 80%
Total EX & EQ Inquiries:
Last 12 months: EX 17 EQ 5
Last 6 months: EX 8 EQ 2
New Accounts in last 12 months: 3
Last 6 months: 3

[CountryLivin]

approved and Limit: Approved $2000

TU: 653
EX 08 Fico: 653
EQ Fico 08: 658
Instant or Review?: Instant
First citi card?: Shell Card, Mobil Card
AAOA: 9mos
Derogs?: none
Util: 24%
Total TU, EX & EQ Inquiries: TU 22, EX 20 EQ 19
New Accounts in last 12 months: 19
Last 6 months:11