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Senior Contributor
Posts: 3,172
Registered: ‎09-26-2011

AT&T Universal Card

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...)

Current Scores: EX08: 638, TU08: 642, EQ08: 626 03/31/16. Last App: 03/18/16.

Zero percent financing is where the devil lives...
Established Contributor
Posts: 768
Registered: ‎04-08-2011

Re: AT&T Universal Card

If your wife can somehow lower her util under 30%, her chance of getting approved will be much higher

Starting Score (08/11/11): TU08: 643
Current Score: TU08: 741
Goal Score: Stay in the 700s; keep reports clean

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