09-30-2012 10:55 PM - edited 09-30-2012 10:56 PM
What's your aaoa? Util?
You should prob wait six months.
Meh Citi always denied me too. Simplicity looks faaaantastic, but they seem like bas---rds. LOL
AAoA is currently at 6 months due to a recent app spree...LOL. My util is around...52%...20%, 5% and 1% lol. yes I have a balance on 4 cards but no interest. Paying off two furniture purchases and regular monthly debt on the other two. About to pay off 2 credit cards when the balance posts
09-30-2012 11:00 PM
09-30-2012 11:01 PM
09-30-2012 11:04 PM
If you have installment history, that helps too. Also, citi is NOT good with recons if you haven't already come across that issue
I reconned Citi once but I had accidently applied to their student forward card (not currently a student)...told to apply again so I did and got hit with the too many apps in system message. LOL.
09-30-2012 11:08 PM
09-30-2012 11:11 PM
OMG NO! Those buttholes told me I had to reapply for the regular card to be reconsidered after two reconn attempts...ugh. Thats when I got hit with the message! Stupid citi but I still want the card b/c its been the hardest one for me to get! LOL
09-30-2012 11:12 PM
Instant approval! Idk like CL yet, but Im so amazed!!!
I got 0% for 15 mos on purchases and transfers!!!!! Wooowwwww!!!!!!
Ive spent years building my credit to get this!!! Bout to try to find the approval line number to find credit line!!!!
You guys have helped me so much!!
YEAH!!!!! That's what I'm TALKIN BOUT!!!!!!! Discover YEAAAAAA.. HELL YEA
09-30-2012 11:29 PM
10-01-2012 02:49 AM
What's the difference between motiva and more?
MOTIVA automatically signs you up for cashback rewards. And you get it for ALL purchases...vs Discover More where you have to sign up for each quarter and cashback is only valid for selected catagories for that quarter. I should've apped for MOTIVA. LOL
No, Discover More also gives you cashback on all purchases. They both have the same reward structure in that you get 0.25% cash back on your first $3,000 of purchases and all Walmart purchases, and up to 1% back after that. The only real difference is that More gives you 5% cashback on rotating categories, while Motiva gives you 5% cash back on interest when you pay your bill on time.
Motiva is only appealing if you're planning to pay interest often.
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