Invitation for citi thank you preferred? Should I?

[HigherFico]

I received an invitation for citi thank you preferred? I thought my score was too low? Should I try for it? My last delinquency is abt 3 months ago and utilization is about 40% I'm not sure what bureau they will even pull from...

[grinlikechelsea]

Since you have a 3 month old delinquency, I would stay away for the time being.

[gdale6]

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@grinlikechelsea wrote:

Since you have a 3 month old delinquency, I would stay away for the time being.

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Agreed

[HigherFico]

My last 30 day was late was in October or novemer. I was thinking I prob shouldn't apply also. It's so tempting with this invitation

[TheGardner]

I agree, odds of approval are extremely slim.