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Contributor
praise123
Posts: 108
Registered: ‎06-24-2012

Left the Garden for Citi Card!

Ok, I am just kicking myself right now.  I couldn't sleep, so I was on the computer and my temptation got the best of me.  I thought that I would be denied which would have hurt my pride and get me in the garden for a long time.  But, I applied and got the message we need more information from you call us.  So, I called this morning and I was approved for the Citi Diamond Preferred for $3,000.  They pulled experian which is good because I dont have that many inquiries on experian report.  Not sure what this will mean for AAoA because I have credit on my report from mortgage and car payments dating back to 2000, but I dont know who to ask about the AAoA.  Also, Should I call for an increase this morning. I am currently at $5,000 highest limit, so I would like to receive the same amount.  Anyway, I am definitely gardening now because I will be applying for the ortgage in June 2013.  My last app spree was in June 2013 where I racked up (2) store and (1) CC.  

Established Contributor
gettnthere
Posts: 912
Registered: ‎06-14-2012

Re: Left the Garden for Citi Card!

Congrats! That's a decent starting CL, do you know around about what your EXPERIAN credit score was?


Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 :smileywink:
Established Contributor
UFGuy2006
Posts: 712
Registered: ‎08-02-2008

Re: Left the Garden for Citi Card!


praise123 wrote:

Ok, I am just kicking myself right now.  I couldn't sleep, so I was on the computer and my temptation got the best of me.  I thought that I would be denied which would have hurt my pride and get me in the garden for a long time.  But, I applied and got the message we need more information from you call us.  So, I called this morning and I was approved for the Citi Diamond Preferred for $3,000.  They pulled experian which is good because I dont have that many inquiries on experian report.  Not sure what this will mean for AAoA because I have credit on my report from mortgage and car payments dating back to 2000, but I dont know who to ask about the AAoA.  Also, Should I call for an increase this morning. I am currently at $5,000 highest limit, so I would like to receive the same amount.  Anyway, I am definitely gardening now because I will be applying for the ortgage in June 2013.  My last app spree was in June 2013 where I racked up (2) store and (1) CC.  


Congrats!!

FICO: EX: 735 (5/14); TU: 776 (5/14); EQ 711 (5/14)

In My Wallet: Amex X 5 | Barclays X 2 | BOA X 1 | CapOne X 3 | Chase X 3 | Citi X 5 | DCU X 1 | Discover X 1| Fidelity X 1 | Fifth Third X 1 | PenFed X 1 | PSECU X 1 | USAA X 2 | US Bank X 1 | Walmart X 1 | Wells Fargo X 1

Holding off apps for the next 6 months! Last inq 5/27/2014.
Established Contributor
CruzImperial
Posts: 863
Registered: ‎07-04-2012

Re: Left the Garden for Citi Card!


praise123 wrote:

Ok, I am just kicking myself right now.  I couldn't sleep, so I was on the computer and my temptation got the best of me.  I thought that I would be denied which would have hurt my pride and get me in the garden for a long time.  But, I applied and got the message we need more information from you call us.  So, I called this morning and I was approved for the Citi Diamond Preferred for $3,000.  They pulled experian which is good because I dont have that many inquiries on experian report.  Not sure what this will mean for AAoA because I have credit on my report from mortgage and car payments dating back to 2000, but I dont know who to ask about the AAoA.  Also, Should I call for an increase this morning. I am currently at $5,000 highest limit, so I would like to receive the same amount.  Anyway, I am definitely gardening now because I will be applying for the ortgage in June 2013.  My last app spree was in June 2013 where I racked up (2) store and (1) CC.  


The way that even makes sense is definitely out of my comprehension. :smileyhappy:

 

Anyways, congrats for the 3K and I hope you squeeze all you can get from them.

 

Fico Scores: . Walmart TU 748 . App free since Aug 2013 .

Cap One Journey 500 | Discover IT 1k | GE Home Design 5.6k | GE HHGREGG 5k | Amex Zync NPSL | Amex BCE 6k | Citi Forward 4.2k | Citi Dividend 3k | GE BrandsMart 1k | GE Lowes 8.5k | Discover Walmart 6k | Barclays Apple 2.5k | BoA CR 800 | CSP 7.2k
Valued Contributor
trumpet-205
Posts: 2,177
Registered: ‎11-11-2010

Re: Left the Garden for Citi Card!

[ Edited ]

Citi does NOT do CLI upon activation. You need to use the card for 7 months before you can ask for CLI.

 

Are you doing BT on your Diamond Preferred card? It is a no reward CC.

In My Wallet:
Citi Forward (12/2010) | Citi TY Preferred (05/2011) | Chase Freedom (11/2011) | GECRB/PayPal (05/2012)
Discover it (07/2012) | AMEX BCP (09/2012) | TD/Target REDCard (10/2012) | Chase Ink Classic (11/2012)
BofA BBR (04/2013) | FNBO/Overstock.com (02/2014) | Barclaycard Arrival (04/2014) | FIA/Fidelity AMEX (04/2014)

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