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To try for a Citi card or not...

Contributor

To try for a Citi card or not...

I'm currently debating on app'ing for a Citi card. Here's my dilemma:

 

New mortgage (10/12)

BofA rewards Secured (4/12)

Wal-mart store card (10/12)

US Bank rewards (11/12)

 

I know my AAoA is very low and my credit has taken a hit. The reason I want to app for a Citi card is for the 0% BT to move some larger purchases to. My gut is telling me to hold off on app'ing for anything for awhile.

 

My credit scores are currently about 670 due to the new accounts and inquiries. I'm on the fence on whether to app now, or just suck it up and garden for a while.

Cards in my wallet: BofA 1-2-3 Rewards - $3,000 (5/2012), Walmart - $350 (9/2012), Home Depot - $500 (10/2012), US Bank - $1,000 (11/2012)
7 REPLIES
Valued Contributor

Re: To try for a Citi card or not...

I was approved for the forward with ex score of 675, 6 new accounts that same month i app for citi and aaoa of 1 year. It took 2 week for approval but i was approved for 2k
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Established Contributor

Re: To try for a Citi card or not...

I was instantly approved with a 6,000 CL with an EQ Fico of 698. But i had 20 inqs and 8 new accounts and they still approved me, not only that but gave me my highest CL to date. Id say go for it!


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 Smiley Wink
Contributor

Re: To try for a Citi card or not...

I don't know much about Citi. Which card would you guys suggest app'ing for?

Cards in my wallet: BofA 1-2-3 Rewards - $3,000 (5/2012), Walmart - $350 (9/2012), Home Depot - $500 (10/2012), US Bank - $1,000 (11/2012)
Senior Contributor

Re: To try for a Citi card or not...

Seeing this stuff makes me want to app for Citi Diamond early!! lol but I feel like Im jumping the gun too.

 

What card did you get gettnthere?

Citi Diamond?

Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Established Contributor

Re: To try for a Citi card or not...

Na i got the forward card bc of how much i eat out. I still want either the diamond preferred or thank you preferred but its gonna be awile lol i wish i could app now tho!


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 Smiley Wink
Regular Contributor

Re: To try for a Citi card or not...

i have gotten 5 Citi cards this year with a 735 FICO. Diamond is best for BT as it is 18 months. Simplicity is 15-18 months 0%

Citi Thank You Premier Visa Signature-$9K, Citi Thank You Preferred Vis Signature-$8.3K, Citi AA Signature- 8.5K, Citi Simplicity 9.2K, Citi Diamond-6.1K, Lowes-$10K, Chase Sapphire Preferred- $ 5K, AMEX BCE $14.5K, AMEX Starwood Preferred $15K, ,AMEX Everyday-$5K, Fidelity Amex-$10K, US Bank 123 rewards Kroger-$17K, Penfed Platinum Rewards Visa Signature-$30K, Amex Delta-$10K, Barclay Arrival Plus- $10K, Penfed Travel Rewards Amex-$10K, Bank of America Cash Rewards- $14K
Established Contributor

Re: To try for a Citi card or not...

personally I believe as long as your scores are high enough Citi won't really care. I got 5 cards in about a month Citi Forward being the last approved for $6,500 score was 738 on their scoring system. It was 758 Fico before app spree =)


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758