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Plan to apply next month, Below is my profile right now
My cards:
BCE (12K CL)
HILTON AMEX (10K CL)
BOA cash rewards (2K)
Citi Dividend (1K)
Discover (1K)
Freedom (500)
AMEX SPG(4.5k, AU)
Credit Scores: EX 734/ EQ 743/ TU 743
Utilization: 12% as of 02/21 (will go down to below 10% at the time of application)
Income: 80K
Oldest Account: 10 months
AAoA: 4-5 months
No Baddies
Hard Pulls: EX 6/ EQ 3/ TU 4
Any thoughts on approval for citi aa?
I'd say your only issue is that your accounts are all pretty new. Other than that, your profile looks fine.
Length of my accounts and numbers of HPs are two factors i'm concerning about. Anything I can do to improve my odds?
@CYP450 wrote:Length of my accounts and numbers of HPs are two factors i'm concerning about. Anything I can do to improve my odds?
Slim.
Too many new accounts.
A lot of people applied for the Citi AA Exec and denied because of many INQ's.
Id put at least 3 if not 6 months between your current Citi approval and your AA app.