I've done some searching but can't find too many people who have gotten email offers. Are they different than mail ones?
I already have the Citi thank you preferred. Has about 60% utilization due to a balance transfer offer I took. My overall utilization is about 25%. I get btos from Citi all the time but am just shy of having enough available credit to do a second balance transfer on my thank you preferred card.
Id like to take up the simplicity offer for the balance transfer but am curious if mail offers are different from email offers. The email is specifically for me as it has my Citi account info in the security zone part of the email and my name is in the subject.
But it doesn't give a specific APR, just three options of what it could be. Is there more often a likelihood I'll get approved.
Lender Pulled Scores(2/2014)
EQ: 750 (same a myFICO) EX: 707 TU: 728
