Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011

Re: I was bored..apped Citi Forward

honky wrote:

Approved 7k cl.  22.9%

EX was pulled and showed 712, which is quite a bit lower than my EQ from here.

2 accounts with serious derogs from 5 years ago, nothing recent.  This was the second mention of my student loan balance being too high, so I will pif.

Oh, highest CL was $700 Walmart and an AU on a $3600 cap1


But, I got an error when clicking continue and couldnt get into the account :smileysad:





Awesome starting CL!!!

Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Senior Contributor
Posts: 4,307
Registered: ‎02-23-2011

Re: I was bored..apped Citi Forward

[ Edited ]

honky wrote:

I was going to app for this card either way because I dine out a fairly often.  Anywhere from 500-1500 per month on dining will make this card well worth having for my situation.


I was planning on waiting to app, but I was bored so I went for it a little early.


LOL...I've done the same, many times.


In my view, there are far worse things in life than opening up a new tradline.  I'm from the school of thought where you get your credit before you need it, since by the time when you really need it, no one will give it to you.

Regular Contributor
Posts: 160
Registered: ‎01-28-2012

Re: I was bored..apped Citi Forward

Thanks, thats really the same approach I am taking.  I dont plan on taking on a mortgage for another 3-4 years, but I want to make sure I have all inq off by that time for the best rates.  I do not forsee any real need for credit at all.  Ive been paying cash and am self-emplyed, so I am trying to go the safe route and earn rewards in the process.


This has become my new hobby and Im trying to have some fun with it!

Starting Score: 580 2/03/12
Current Score: 810 EQ // 829 TU(Walmart)
Goal Score: Achieved!

Wallet: Citi Forward(13.5k), Ink plus(18k), CSP(13.5k), Freedom(6k), BoA123(13k), Alliant CU(5k), Walmart(2k), Kohls(1.4k), QuickSIlver(7.5k) Amex Simplycash Business(46.5k)
Frequent Contributor
Posts: 373
Registered: ‎05-23-2012

Re: I was bored..apped Citi Forward

I realize I'm late to the party on this one, but can you say if you were approved?  Thanks much.

Valued Contributor
Posts: 1,896
Registered: ‎03-30-2012

Re: I was bored..apped Citi Forward

koalablue wrote:

I realize I'm late to the party on this one, but can you say if you were approved?  Thanks much.

He was approved. 7K. :-)

Scores 1/12/2014: TU FICO: 660 | EQ FICO: 665 | EX AMEX FICO: TBD

In my new wallet: American Express Green EMV: PSL $2000 | BankAmericard Cash Rewards Visa EMV: $2500 | BarclayCard Rewards Average: $2000 | Travelocity Rewards AMEX: $1050 | Discover IT: $1500 | Amazon Rewards Visa: $1500 | Chase Freedom: $1500 | Sportsman's Guide Visa: $3000 | Capital One QuicksilverOne MasterCard: $1600 | Target: $700 | J.Crew $9550

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.