08-10-2012 07:04 AM
I am sorry to ask this question again, but I didn't get any responses on my last thread. I think it may have been too wordy. I will strive for brevity this time.
I keep getting the "preselected" Citi Simplicity apps. I know this is not a guarantee. I am attracted to the BT, as I have about $1800 across a couple of cards that I would like to move.
I got a CLI from Chase Freedom last week, but it was on a recon. I also got approved for a CSP, but also on a recon. Because of that, I know I have two baddies (a tax lien that has been satisfied by the actual responsible party!) and a 30 day late that HSBC refuses to remove, despite them acknowledging that it wasn't a deliberate late (but not in writing, of course). Chase reviewed manually. I have heard that Citi will not do this.
BUT I actually have a good relationship with Citi; my Home Depot card is underwritten by them and I have gotten several auto CLIs. My limit is $7200 and I am using very little of that.
Any success stories out there? I am about to go into the garden; this is my first app spree, if you can even call it that, in 2 years. I want to app now if I am going to to keep it all in the same time frame, but I am really scared. Any positive stories or words of caution would help. I am particularly interested in those who got Citi with a couple of baddies.
I am at a MyFico EQ 689, Credit Sesame Experian 724, and a My Fico TU 698 (CK Fako 705). Household income is $110k; personal income is a little more than half of that.