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Frequent Contributor
Posts: 374
Registered: ‎02-02-2010
0

Re: will citi take me?

[ Edited ]

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 | UsAir $20k | Local CU $8k
TU: 753 / EQ: 722 / EX: 735
Frequent Contributor
Posts: 374
Registered: ‎02-02-2010
0

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 | UsAir $20k | Local CU $8k
TU: 753 / EQ: 722 / EX: 735
Established Contributor
Posts: 768
Registered: ‎04-08-2011
0

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


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Regular Contributor
Posts: 159
Registered: ‎03-02-2008
0

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.

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