12-04-2012 06:42 AM
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.
12-04-2012 06:47 AM
12-04-2012 07:40 AM
12-04-2012 07:56 AM
I don't know much about Citi. Which card would you guys suggest app'ing for?
12-04-2012 11:02 AM
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?
12-04-2012 11:04 AM
12-04-2012 11:21 AM
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%
12-04-2012 11:21 AM
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 =)
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.