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Chance for CITI AA?

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CYP450
New Member

Chance for CITI AA?

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?

Message 1 of 5
4 REPLIES 4
visorboy1974
Valued Contributor

Re: Chance for CITI AA?

I'd say your only issue is that your accounts are all pretty new.  Other than that, your profile looks fine.  

FICO Scores Updated 07/15 EQ08 748 EX08 748 TU08 818
Message 2 of 5
CYP450
New Member

Re: Chance for CITI AA?

Length of my accounts and numbers of HPs are two factors i'm concerning about. Anything I can do to improve my odds?

Message 3 of 5
H4LO
Established Contributor

Re: Chance for CITI AA?


@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. 



Total CL - 60K // Util. ~1.6%

772 TU - 6/5 ///// 705 EX - 5/5 ///// 664 EQ - 4/29
Message 4 of 5
Creditaddict
Legendary Contributor

Re: Chance for CITI AA?

Id put at least 3 if not 6 months between your current Citi approval and your AA app.

Message 5 of 5
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