I currently have;
PP SC 340/3850
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.
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.
Thanks for keeping us updated & Congrats on the approval!
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.