Credit Cards

[youngandcreditwrthy]

This is the absolute last card I desire for my collection, except maybe the HHonors Amex; it will replace my Paypal Extras Plat MC. I hesitate to apply right now because I have on avg about 3 inqs on each report in the past six months, and closer to nine in a two year period on avg. on each report.  I assume I'd be approved with prob a $3-4k limit.  I want to apply prob in January... maybe March or April.....two or three more inqs should fall off by then. I have like 6-7 from Jan - Aug of 2011 (idk why I applied so much!! ugh)

util: 11% (will drop to like 8% in a few weeks)

aaoa:2.5 yrs

student loans: $36k

For those of you that have the Citi Diamond Preferred card though,

what report did Citi pull??? My scores are all like within 10 or so points of eachother believe it or not.... from like 688 to 709, I believe. 

I reallllllllyyyy want this card, and I don't want a crappy limit either. I'll prob use it for a BT for maybe $5k? Idk lol. I'm really into saving my cash and floating a balance. :-) 

[rudy0720]

I have 5 Citi cards including Diamond and they pulled Equifax on all 5. I am in Louisville, KY. Check whogavemecredit.com for your state

[tinuviel]

I got a Citi Diamond Preferred this past August and they pulled EQ for me.

(ETA) I'm in Florida.

[youngandcreditwrthy]

whogavemecredit.com doesn't have too many recent approvals on there.

Interesting.... hmmmm.... I'll have to check my previous reports to see who they pulled before when I got denied with a lower score. I think it was EQ. EQ is my lowest :-/. 

what were you guys stats if you dont mind sharing?

like util, aaoa, other debt, scores.. that stuff? oh, and the CLs you were approved for.

[tinuviel]

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youngandcreditwrthy wrote:

whogavemecredit.com doesn't have too many recent approvals on there.

Interesting.... hmmmm.... I'll have to check my previous reports to see who they pulled before when I got denied with a lower score. I think it was EQ. EQ is my lowest :-/. 

what were you guys stats if you dont mind sharing?

like util, aaoa, other debt, scores.. that stuff? oh, and the CLs you were approved for.

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Util was1%, AAoA was 8 yrs, oldest account 25 yrs 3 months, no other debt, FICO was 723. I was approved for $6800.

[youngandcreditwrthy]

Oh! I remember yours Tinuviel! That's a good limit :-)

[teddybearkelli1]

I am in WA, they pulled EQ.

[tinuviel]

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youngandcreditwrthy wrote:

Oh! I remember yours Tinuviel! That's a good limit :-)

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Yes, thanks... I was shocked!

[youngandcreditwrthy]

So the consesus is that they pull EQ....

I just feel like if I apped now... Amex would deny my 3xcli, AND I would get a crappy limit lol. like $1k or $2k. Who knows though! My eq is only 688 :-/

[bluesnowman]

I know it is a different card, but I applied for the Citi Forward, and I'm in California. They pulled Experian here.