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Citi or Amex chances approval ? 5 inqs last 60 days

Established Member

Citi or Amex chances approval ? 5 inqs last 60 days

Question is what my chances to get approved with Citi or Amex?

 

i have 5 inqs last 2months though

Chase Freedom got 30 days message

 

 

my fico 780 exp / 775 eq / 777 Trans

got instant approve 17k CSP last month

4k Bofa last month

12k Discover last month

uti 0%

average age 8 years and 2 months

car loan 6k left out of 20k

paid off car loan with chase

 

thanks guys

 

 

4-2018 / Fico 8 EX 780 , EQ 775 , TR 777
Amex ED 22k , CSP 17k , Discover iT 12k , BofA 4k
Message 1 of 10
9 REPLIES
Frequent Contributor

Re: Citi or Amex chances approval ? 5 inqs last 60 days

Well Citi has a 6/6 rule 6 or more hard inqs in 6 months is probably gonna get you denied. That said, I got approved for the Citi AA Plat with 5 hard inqs within the prior 6 months - not 60 days, but same number within 6 months, as per the 6/6 rule.

From what I understand, Amex doesn't seem to care about how many hard inquiries you have.

If you're deciding on one or the other, I'd assume Amex is more likely to approve you. But if you're trying to do both, I'd say you probably should get approved from Citi if its your next app - just pay heed to that 6/6 rule and, with your profile, I don't see why Citi would be a problem. So for both, do Citi first then Amex.
Message 2 of 10
Established Member

Re: Citi or Amex chances approval ? 5 inqs last 60 days

Thank you

4-2018 / Fico 8 EX 780 , EQ 775 , TR 777
Amex ED 22k , CSP 17k , Discover iT 12k , BofA 4k
Message 3 of 10
Established Member

Re: Citi or Amex chances approval ? 5 inqs last 60 days

Your data points are much better than mine were when I was approved by AMEX and WAY better than they were when I was approved for the Citi DC. As mentioned above try Citi first and then AMEX.

Message 4 of 10
Established Member

Re: Citi or Amex chances approval ? 5 inqs last 60 days

i applied last night got 22k instant approval ... Amex Everyday card

4-2018 / Fico 8 EX 780 , EQ 775 , TR 777
Amex ED 22k , CSP 17k , Discover iT 12k , BofA 4k
Message 5 of 10
Established Member

Re: Citi or Amex chances approval ? 5 inqs last 60 days

Thanks for the help guys .. i really appreciate it

4-2018 / Fico 8 EX 780 , EQ 775 , TR 777
Amex ED 22k , CSP 17k , Discover iT 12k , BofA 4k
Message 6 of 10
Valued Member

Re: Citi or Amex chances approval ? 5 inqs last 60 days

How'd things go with Citi? Or did you decide not to apply?

FICO 8 Scores 4/1/2018: 694 EX 714 EQ 740 TU

WF Cash Wise $12,500 PenFed Power Cash $9,500 BOA $4900 HSBC Cash Rewards $2750 Discover It $800 Maurices $500
Message 7 of 10
Established Member

Re: Citi or Amex chances approval ? 5 inqs last 60 days

i tried to get preapproved but they didnt gave me anything .. so i went ahead with Amex and im glad i did

4-2018 / Fico 8 EX 780 , EQ 775 , TR 777
Amex ED 22k , CSP 17k , Discover iT 12k , BofA 4k
Message 8 of 10
Frequent Contributor

Re: Citi or Amex chances approval ? 5 inqs last 60 days

I find, especially with a strong profile, pre-approvals don't really mean much either way. Whether you'll get approved is more accurately predicted based on your profile and whether you violate any esoteric rules like 6/6 or 5/24. I know prequals don't necessarily mean you will get approved, and likewise not having a pre-approval doesn't mean you will be denied.

Either way, glad you're satisfied with how it worked out.
Message 9 of 10
Valued Contributor

Re: Citi or Amex chances approval ? 5 inqs last 60 days

Are you going to meet all the spend requirements for the SUBs ?




3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>4/2018 CCT EX 821 TU 833 EQ 814
You are only young once, but you can be immature forever
Message 10 of 10