Would Citi Approve Me For A Card...

[Andy77]

So in the last 2 months citi has given me 10k in additional credit on my two cards with them.  They were 2 hard pulls to give me the CLI's.

I have had one card open since Oct 2009 and I have never been late

The other card is still secured, but they still gave me 5k above my 2k security deposit.

So, given that they have given me 10k in two months, do you think they would approve me for a card OR is the underwriting for card approval different then for a CLI on an existing card.

here is my into

Ch 7 dicharged Oct 2009

EX (which they pull) is 685 

1 % utilization

10 inq

EQ (which they might pull for the app)

694

1% utilization

7 inq

150k income

So, what are your thoughts...do you think I could get approved for a card?  I was going to wait six months anyway before I app, but just wanted to get opinions

[Creditaddict]

have you checked the pre-qual?

why do you want another citi card?

[Andy77]

Yes checked the pre-qualify and no dice.

I want another one because the two that I have started as silver secured cards, graduated, then pc'd to other cards, but I never got the bonus app miles or points one might get with a card like the Hilton reserve and that would be one I might want to app for

[Creditaddict]

What other cards do you have?

[Andy77]

bof a visa sig 5k

barclays rewards mastercard 5k

[Creditaddict]

---

@Andy77 wrote:

bof a visa sig 5k

barclays rewards mastercard 5k

---

then if you want hilton, I say apply... you have some decent cards, the 3rd INQ from citi isn't going to hurt you at this point.

[Andy77]

Declined.  Waiting on letter.  I guess their criteria for CLI on existing cards and to be approved for new cards is different.

[indiolatino61]

I suppose if you haven't reached any internal limit that may exist, there is a chance to get another TL. The best of luck to you.

[Anonymous]

Worth a recon. Your income should not be a problem.

[Andy77]

I called the exec office.

I got declined because the computer auto declines if there is a BK.

They are going to submit for a manual review.  

I would think I have a good chance as I have two other cards with them PIF on time, 12k avail lmit combined, zero bal

25k in their bank which the woman in the exec office said she could see