Got an SDFCU preapproval offer--need advice

[lhcole77]

I joined last summer, August I think. Goal when joining was to get this card, just needed to wait for good time. This may it. 

[tray]

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@lhcole77 wrote:

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@tray wrote:

If you apply for the pre-approval you should definitely get it, I recieved the same pre-approval although I believe my score was less than 720 EX cr was pulled I recieved the APR of 8.99 with a 10,000 cl no docs required, I just recieved a phone call from them.  Good Luck it is a nice card to have....

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Hey Tray! Thanks for the heads up. Mind if I ask what your UTL was at time of app? Mine is at 22% right now.

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I was at 12% with quite a few balances on my cards, but what is helping my utilization is my overall credit limit..

[lhcole77]

Thanks for reply, Tray. I think I'm going to go for it.