Valued Contributor
Posts: 2,512
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: EX 694 (FCR) TU08: 650 Wally. 12/10/14
Last app 05/29/2014.
Being held hostage in the garden until 06 January 2015!
Zero percent financing is where the devil lives...
Established Contributor
Posts: 767
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

Take the FICO Fitness Challenge

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+