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Established Contributor
mAndrew1980
Posts: 700
Registered: ‎08-26-2011

CITI Simplicity Approved

Hey gang,

 

Long time since I've been on MyFICO. In June I officially closed on my Condo, which I owe exclusively to MyFICO. Literally it would never have been possible with out these forums. My FICO's were in the high 700's but have dropped considerably since then due to many new accounts, several inq's, increased utl%, and a ton of new debt.

 

Anyways I just apped for CITI Simplicity and was instantly approved. They have 0% for 18 months, which would allow me to pay down some of the balance on my Chase Mileage Plus card. My income will be increasing in the near future so I'll be in better shape six months from now.

 

CITI gave me a $1800CL and I'm really disappointed in it. My reports are 100% clean but I guess I'm lucky to have gotten approved at all with all the new accounts/inq's/utl%/etc. What are my chances of getting a CLI on Recon? I was hoping for $3000 or so. Also is CITI decent with CLI's after 6-12 months?

Transunion: 694 FICO (11/17/2013) MyFico
Experian: 789 FICO (4/10/12) Lender Pull
Equifax: 695 FICO (1/10/14) MyFico

My cards: Chase United Mileage Plus 7000CL (3/12), CITI Simplicity 1800CL (9/12), Cap1 Platinum 1000CL (2/10), Cap1 Cash back 1500CL (11/11), Apple Barclay's 2500CL (11/11), Discover IT 6000CL (5/13)

My Primary Financial Goal is to put down my utl%.



Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: CITI Simplicity Approved

CONGRATS!!!!

how high was your util?



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Established Contributor
mAndrew1980
Posts: 700
Registered: ‎08-26-2011

Re: CITI Simplicity Approved

Thanks! Hows the gardening going?

 

My utl is about 50% right now. Guess im lucky to have gotten approved.

Transunion: 694 FICO (11/17/2013) MyFico
Experian: 789 FICO (4/10/12) Lender Pull
Equifax: 695 FICO (1/10/14) MyFico

My cards: Chase United Mileage Plus 7000CL (3/12), CITI Simplicity 1800CL (9/12), Cap1 Platinum 1000CL (2/10), Cap1 Cash back 1500CL (11/11), Apple Barclay's 2500CL (11/11), Discover IT 6000CL (5/13)

My Primary Financial Goal is to put down my utl%.



Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: CITI Simplicity Approved


mAndrew1980 wrote:

Thanks! Hows the gardening going?

 

My utl is about 50% right now. Guess im lucky to have gotten approved.


 

Went strong for 4 months then got some PSECU luv (2 auto refi's and a 9K VISA)

 

Staying in the garden for at least a year or more now. (even though I would like to get in with CITI but think im blacklisted)




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Senior Contributor
youngandcreditwrthy
Posts: 5,973
Registered: ‎08-16-2012

Re: CITI Simplicity Approved

That's awesome! I want that card! haha... From what I've seen, Citi is not really a bank for recons. LOL... at least not for me :-(

Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | CSP $10k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $5k | Express $3.05K | Myponts.com Visa $3.5k | Freedom Visa $1k| Amex Surpass $1k
Regular Contributor
CK_Charles_Lover
Posts: 248
Registered: ‎09-02-2011

Re: CITI Simplicity Approved

Some people are successful with recons right off the bat, not many, but I would say they they are pretty good at CLI at the 6 month mark (have to wait 6 to ask for first). Usually you can double limit with lower amounts. YMMV .Citi is a stickler when it comes to UTIL (at least for me).

Trans Union Fico (Walmart) ,690 Experian Fico (Amex) 686(Opened 3 new accounts this month. In the Garden)


AMEX BCE ($19,500) AMEX PRG -(NPSL), BARCLAYS US AIR PREMIER WORLD ($10,000), BOA CASH REWARD -($6,000), CITI HILTON RESERVE SIGGY-(5,000), WALMART DISCOVER ( $5,800), CITI DIAMOND ($4,700), CITI DIVIDED WORLD ($4,500), AMAZON STORE($5,000), NORDSTROM VISA SIG($5,000), PAYPAL STORE ($4,000) Amex Delta Gold ($2000)

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