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will citi take me?

Frequent Contributor

Re: will citi take me?

I currently have;

BOA 1100/3500

PP SC 340/3850

Disc 0/1250

jcp 0/1800

 

I want to ask Discover & BOA for a CLI the same day I app for citi since they will likely be hp's anyway.

 

Is util calculated using only open accounts with balances or is it calculated using all open revolving accounts including ones with $0 balances? I will PIF my BOA account unless leaving a balance of $340 would result in a better score? My score is now in the 670's as a result of closing my first auto loan and my cap1 cards.

AkAir $50k | Marriott $65k | Local CU $8k
TU: 770 / EQ: 748 / EX: 769
Message 11 of 14
Frequent Contributor

Re: will citi take me?

I just got the approval letter in the mail, approved for 1600. It popped up on SW on friday and also reported my score as 710. Hoping for a cli on activation when I get the card.

AkAir $50k | Marriott $65k | Local CU $8k
TU: 770 / EQ: 748 / EX: 769
Message 12 of 14
Established Contributor

Re: will citi take me?

Thanks for keeping us updated & Congrats on the approval! 


Starting Score (08/11/11): TU08: 643
Current Score: TU08: 741
Goal Score: Stay in the 700s; keep reports clean


Take the FICO Fitness Challenge
Message 13 of 14
Highlighted
Regular Contributor

Re: will citi take me?

I think citi will take you my util is over 40% and i was approved for a diamond preferred card with a 3k CL after i did a recon.

Message 14 of 14