04-18-2012 12:16 PM - edited 04-18-2012 12:19 PM
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
04-18-2012 01:27 PM - edited 04-18-2012 01:28 PM
whats your income and AAoA if you dont mind?
EDIT: Congrats!!!! I want the Forward at some point too.
04-18-2012 01:45 PM
AAoA 5 years, oldest account 11.5 years. 109k income
I do a lot of dining out and should probably start shopping at Amazon, so it is a good card for my useage. This is my first prime card. I still need something for gas and am eyeing the BCP over the BCE. Unfortunately I spend enough per year in gas to cover the AF with only 1% difference on those 2 cards.
Good luck if you go with the forward...I think it looks like a pretty great card.
04-20-2012 11:05 AM
I received an offer in the mail a few weeks ago. I keep getting them.
I paid off a car with Citi FinancialAuto back in 07. It had several late payments throughout the loan.
Would this be a problem. The lenders are connected, right?
04-20-2012 05:44 PM
I had lates in 2007 as well when I was approvefd, but thats the only negative on my report.
You should have a good shot if thats all u have I would think.
04-20-2012 09:33 PM
I applied for this card right now and got the further review message. Most likely a denial, will hope to recon on monday.
Anyone have the credit analyst back door number for CITI?
Thanks in advance!
04-22-2012 08:10 AM
Not my business at all, but being bored seems to me to be about the worst reason one can have for applying for credit. Just my opinion of course.
At least, app for one with a big sign up bonus, if you're going to anyway.
04-23-2012 02:14 PM
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.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. 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.