Citi Forward approved

[gymbo731]

Hey all... So I decided to apply for the forward card bc I am younger and do spend a lot of money going out and such. I used an invitation number I got and got a $3200 CL. I really wanted it to be higher bc I want to transfer a lot of my highest interest rate cards, but I'll take it. I am now actually thinking about applying for either BoA credit card or a nationwide. Any advise? I basically want to transfer my balances to 0% cards bc the rate is killing me. The 3200 from citi wasn't enough. I need like another 2k.

I would like to have a card over 10k someday....

[laz98]

CONGRATS!

i am waiting another 3 weeks or so to get some balances down before applying.  they sent me an invitation as well which is good until 9/15.

but the BT offer is better on the platinum select, so i'm kind of torn about what to apply for.  wish my baddies fell off this year!!

[gymbo731]

I was in the exact same boat as you! I couldn't decide on whether to get the Plat. or the forward. Now that I got my forward I wish I applied for the plat. However I got a balance transfer rate of only 3% compared to 5% with the plat. And that was the main reason why I wanted the card. I just wanted it higher! But maybe they will give me a CLI if I am good.

[laz98]

may i ask what your scores are?  someone just recently applied for the platinum select (for balance transfers) with a good history & only got $1k.

[gymbo731]

Eq score is 744

[RadioRob]

Congrats on the card.  In terms of higher limits, look at some credit unions.  They're typically a little more generous than the big commercial banks. 

There are several threads with recommendations...  Alliant/USAA are pretty easy to qualify for....  Navy Federal is an excellent choice as well if you can qualify for membership.