Your Opinion? Continue Gardening or Apply for Citi Bank Dbl Cash

[Anonymous]

Hello! Hope everyone is having a wonderful weekend.

I'm glad to report that I've crossed over into my goal of 650's across all 3 CRAs!!  If your aware I've been granted several EE's with TU and EX.  My report is almost clean.

Sent GW letters in for the last 2 accts with late payments, been calling as well and haven't had as much luck.  All that being said I finally got prequalified for the Citi Bank Dbl cash Card, a card I've wanted for the cashback on payments.  I've been payinng down my UTL as well (80%). Should I just continue to pay down and wait for a better card to come?

[Anonymous]

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@Anonymous wrote:

Hello! Hope everyone is having a wonderful weekend.

I'm glad to report that I've crossed over into my goal of 650's across all 3 CRAs!!  If your aware I've been granted several EE's with TU and EX.  My report is almost clean.

Sent GW letters in for the last 2 accts with late payments, been calling as well and haven't had as much luck.  All that being said I finally got prequalified for the Citi Bank Dbl cash Card, a card I've wanted for the cashback on payments.  I've been payinng down my UTL as well (80%). Should I just continue to pay down and wait for a better card to come?

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The Double Cash Card is not a bad card, but I would get my UTI down under 20% perferrably below 10% if you can in hopes of a score boost and maybe getting a better SL on the card.  Congrat on the prequal.

[Anonymous]

Their set prequals are normally good, but I'd also say wait for lower utility. You'll get much better terms and better SL