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Wifey got "invited to apply".
it's a Citi card, and I've no idea if she'll qualify.
FICO's in the mid to upper 600's...utilization in the 60s (%)
I hate to waste the HP if she's going to get denied.
(Mostly, we're after the 0% BT for 15 months...)
If your wife can somehow lower her util under 30%, her chance of getting approved will be much higher