I would go for it if the apr was lower, 23% is just way to high to start off with another CC, and if my INQ were a lot down, would hate to app and get denied for INQ. And I don't want to deal with citi, because of what ive heard, but nice to see they kinda of like me I guess..
Well its actually like quit smoking. Get past the first month then it will be downhill. You can do it. Get away from approvals and leave the forum for a while then you can garden in peace. 
I would strongly advise you to pass on such an offer at this time. That interest rate is indicative of more than just the "price you pay." It will likely lead to an unsatisfactory credit limit if you are ultimately approved. The offers will improve over time and the card isn't going anywhere. I'm not an advocate for "gardening," but I'd have to resist the urge to apply in this case.
@willwar14 wrote:
I would go for it if the apr was lower, 23% is just way to high to start off with another CC, and if my INQ were a lot down, would hate to app and get denied for INQ. And I don't want to deal with citi, because of what ive heard, but nice to see they kinda of like me I guess..
Well, the nice thing about the Citi prequalification, it is clear feedback as to how your credit is doing.
Earlier in 2015, I went from ranges of prequal APR (not good) to the lowest APR on the cards, across the board.
And then the Citi prequals went back to ranges for a while, when I wasn't really quite ready anyway, but that kept me from apping.
Then in July, the prequalification went to lowest APR across the board again, so I went for the AAdvantage card and got a $13k CL and lowest APR, plus the 50,000 miles offer, which I heard was expiring soon. After that though, the 50k miles offer continued to show for me, along with lowest APR, and 25,000 points for TY Preferred.
My suggestion for your gardening project is, once a month, go to the Citi prequalification page, and check to see how you are doing. If the APR gets a lot lower, then you know your chances are probably much improved. I agree, for now, 23% is probably a marginal approval, but you'll have good feedback as your file improves, from this tool.
Good luck!
Gardening is easy when you don't look for new loans or credit lines. Just sit back and forget that apps, pre-quals, etc even exist... unless you find yourself in a situation where you absolutely need a loan. Such as your car caught on fire and now you need a new one... or the foundation to your house if falling apart and its going to cost $20k to repair.. etc.
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