Is Citi still shipping the Prestige card overnight?

[Anonymous]

haha!

[lord_kinbote]

Many new accounts in the last year and what was your FICO scores? Thinking of apping, even though the AF seems a bit high.

[Anonymous]

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@akula wrote:
Many new accounts in the last year and what was your FICO scores? Thinking of apping, even though the AF seems a bit high.

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I believe mine were around 720 for all 3.

25% usage

8 inquiries the past year, but 4 within 2 day range.

200k+ income.

But strange part was just getting 5k SL for the prestige.  Amex delta gold I got the night before was $14.5k SL.

I think you should be able to get the card.

[Anonymous]

Sounds like borderline approval.

[Anonymous]

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@akula wrote:
Many new accounts in the last year and what was your FICO scores? Thinking of apping, even though the AF seems a bit high.

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I got a 13k SL.... FICOS are in my signature line.  Inquiries:  18 Experian in the last 6 months, 7 EQ in the last 6 months.  Util is under 10%.  No relationship with CITI before Prestige except for Home Depot Card.  Annual Income:  85k.  1 Derogatory on Equifax -- all else is clean on all other reports.

[Anonymous]

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@Anonymous wrote:

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@akula wrote:
Many new accounts in the last year and what was your FICO scores? Thinking of apping, even though the AF seems a bit high.

---

I believe mine were around 720 for all 3.

25% usage

8 inquiries the past year, but 4 within 2 day range.

200k+ income.

But strange part was just getting 5k SL for the prestige.  Amex delta gold I got the night before was $14.5k SL.

I think you should be able to get the card.

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Did you call to see if you can get the limit raised?  If not, call them up.  For that annual fee, they  should be dishing out high credit lines like candy

[lord_kinbote]

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@Anonymous wrote:

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@akula wrote:
Many new accounts in the last year and what was your FICO scores? Thinking of apping, even though the AF seems a bit high.

---

I believe mine were around 720 for all 3.

25% usage

8 inquiries the past year, but 4 within 2 day range.

200k+ income.

But strange part was just getting 5k SL for the prestige.  Amex delta gold I got the night before was $14.5k SL.

I think you should be able to get the card.

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I have seen instances where they give much larger starting limits for co-branded cards.  Citi is good about giving increases via SP every 6 months.  Also, if they are like chase, they will allow you to move limits around.  Congrats.

[noobody]

move limit around is HP, like BOA.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

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@akula wrote:
Many new accounts in the last year and what was your FICO scores? Thinking of apping, even though the AF seems a bit high.

---

I believe mine were around 720 for all 3.

25% usage

8 inquiries the past year, but 4 within 2 day range.

200k+ income.

But strange part was just getting 5k SL for the prestige.  Amex delta gold I got the night before was $14.5k SL.

I think you should be able to get the card.

---

Did you call to see if you can get the limit raised?  If not, call them up.  For that annual fee, they  should be dishing out high credit lines like candy

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I asked the rep about it when I called in for approval.  She told me to call back when I get the card to see if they can do a CLI.  I'm fairly concern about it since I put about $4k to $5k on a card per month and I plan to use this card primarily for the 3x and 2x points.  Having a low SL will leave my utilization really high.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

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@akula wrote:
Many new accounts in the last year and what was your FICO scores? Thinking of apping, even though the AF seems a bit high.

---

I believe mine were around 720 for all 3.

25% usage

8 inquiries the past year, but 4 within 2 day range.

200k+ income.

But strange part was just getting 5k SL for the prestige.  Amex delta gold I got the night before was $14.5k SL.

I think you should be able to get the card.

---

Did you call to see if you can get the limit raised?  If not, call them up.  For that annual fee, they  should be dishing out high credit lines like candy

---

I asked the rep about it when I called in for approval.  She told me to call back when I get the card to see if they can do a CLI.  I'm fairly concern about it since I put about $4k to $5k on a card per month and I plan to use this card primarily for the 3x and 2x points.  Having a low SL will leave my utilization really high.

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Agree on the limitation of that limit. I am certain once you have the card, they will review and give you a bigger limit.  Do you have any high limit cards?  If so, make sure you reference it during the call.  High limits on other cards begets other high limits.