topic Re: Citi Rewards + Card Approval 21.2k :) in Credit Card Approvals

Citi Rewards + Card Approval 21.2k :)

Mahraja — Fri, 11 Jan 2019 05:23:42 GMT

I thought I should brake the silence instant 21.2k Approval without 15k Bonus. no need for it I have more than 10k worth of bonus sitting waiting to be redeem. don't need any card anymore but applied for friends and forum (GP) I always go last whenever new card launches but not this time.. No sign up bonus for this card for me (Due to Premier 60k took last year) the roundup thing is kind a good but honestly I like the color of this card that's all so done once again. I guess my DP is very clear and simple 50th Approval with 770 fico 8 and again 4 HP in past 6 (the 5th become 6 months old few days ago) when ever hit Citi (me)always make sure the pull count is low on Experian i give them what they want (score,pulls,utilization.spend,+more) and i get what i want in return.each lender has its own demand (weak points) any way i would be applying odd accounts this year thanks for reading ..

Rewards+Card

Re: Citi Rewards + Card Approval 21.2k :)

Anonymous — Fri, 11 Jan 2019 05:29:54 GMT

Congrats on your approval and monster SL!!!!!!

2mils CL here we come hehe

Re: Citi Rewards + Card Approval 21.2k :)

KingPredator — Fri, 11 Jan 2019 05:30:14 GMT

Thanks for being the first one to break the ice and as usual for the DP. Raj strikes again.

Re: Citi Rewards + Card Approval 21.2k :)

FinStar — Fri, 11 Jan 2019 05:39:24 GMT

Awesome approval Raj!!! The tradition continues with the monster SLs 😁👍

I'm going for 2nd TY Premier fairly soon and then likely downgrade to Citi Rewards.

Let us know how you like it.

Re: Citi Rewards + Card Approval 21.2k :)

Pikaboo-icu — Fri, 11 Jan 2019 06:00:26 GMT

I bow you your credit super powers.

Awesome SL as always!!

Congrats to My Fico's own Credit Royalty.

Re: Citi Rewards + Card Approval 21.2k :)

seattlecredit08 — Fri, 11 Jan 2019 06:13:58 GMT

BIG, BIG Congrats, @Mahraja!!!

One thing I was always wondering is the following. If one is to undertake a similar (on a smaller scale, perhaps) project of obtaining maximum Total Credit Line in let's say 2-3 years, what AAofA one should target to maintain while doing so? Obviously, as more accounts are established, AAofA will keep dropping.

Is 2 years enough for AAofA? 3 years?

The reason I am asking this is because I have some big plans for 2019 but my only issue is that while I am starting from a decent AAofA (6+ years) it's based on a relatively few accounts so it will drop to 4yrs, 3yrs, 2yrs pretty quickly (based on the simple Excel math).

Thanks in advance!!

Re: Citi Rewards + Card Approval 21.2k :)

FinStar — Fri, 11 Jan 2019 06:27:56 GMT

@seattlecredit08... Define "smaller scale" project. Are you a high income earner? Are you willing to furnish POI for a variety of instances, especially CUs that request such information? Keep in mind that most individuals that have upwards of say... $300K (and beyond) did not achieve such results overnight. The lending landscape fluctuates frequently and what was once easily accessible may not be so easy these days. Think 5/24, SUB rules/restrictions, AA, and most lenders tightening up their purse strings. Plus, you've discovered that in a variety of cases, reverse engineering doesn't always pan out.

So, it's not so much just about an arbritary AAoA but lots of other factors as well.

Re: Citi Rewards + Card Approval 21.2k :)

Anonymous — Fri, 11 Jan 2019 06:55:46 GMT

Unreal approval with Citi! Now that the ice is broken ... the Citi Dividend Visa/MasterCard card holders have a potential p/c card. Maybe for those who out right apply, the starting credit lines will be higher that the Citi Double Cash that used to run $500 to $2,000? Of course the Mahraja has Citi eating from the hand

Re: Citi Rewards + Card Approval 21.2k :)

Adkins — Fri, 11 Jan 2019 06:53:24 GMT

Congratulations!!

Re: Citi Rewards + Card Approval 21.2k :)

Mahraja — Fri, 11 Jan 2019 06:56:05 GMT

Yup Fin excellent idea go for it better card with better bonus indeed . And me was actually working on Key Bank Latitude Card which i am applying soon.worst case scenario i would hit the wall So what now i dont get excited anymore.pulled the trigger for forum members only .. i think its easy card to get

Re: Citi Rewards + Card Approval 21.2k :)

Dahlia77 — Fri, 11 Jan 2019 07:50:39 GMT

@seattlecredit08 wrote:
@Anonymous, BIG Congrats, @Mahraja!!!

One thing I was always wondering is the following. If one is to undertake a similar (on a smaller scale, perhaps) project of obtaining maximum Total Credit Line in let's say 2-3 years, what AAofA one should target to maintain while doing so? Obviously, as more accounts are established, AAofA will keep dropping.

Is 2 years enough for AAofA? 3 years?

The reason I am asking this is because I have some big plans for 2019 but my only issue is that while I am starting from a decent AAofA (6+ years) it's based on a relatively few accounts so it will drop to 4yrs, 3yrs, 2yrs pretty quickly (based on the simple Excel math).

Thanks in advance!!

I think it totally depends on all the factors put together. I'm averaging at under 2 years aaol and I just got a SL of 21,000 on a Chase Freedom and an Amex Platinum where when I checked spending power and put in $50,000 for that month and they okayed it. My longest line of history is 4 years old but my payment history on the cards i did have was perfect, my highest spends on credit report were on the higher side and I PIF each month and my income is generous. So I really believe in my case, my aaol is not being factored in as much as my payment history, spend and cash inflow.

I haven't tried Citi yet and am gardening now but I would argue it would all be relative there too. The amount I deposited in the last year was quite high to the extent they gave me my own personal banker so I'm assuming getting a a card wouldn't be that hard. So I think it's all relative. In other words, I am of the belief that it's all kind of relative to each of the components apart from one another and then all of the components added back together again. That's my take from my journey.

Re: Citi Rewards + Card Approval 21.2k :)

AverageJoesCredit — Fri, 11 Jan 2019 11:36:57 GMT

Super congrats Raj Taking one for the team. Looks like many of the big players here are passing on this but i guess this card is good for big spenders? Enjoy your instant and thanks again

Re: Citi Rewards + Card Approval 21.2k :)

pinkandgrey — Fri, 11 Jan 2019 13:00:23 GMT

We’ve all been waiting anxiously for this LOL congrats! Great SL! Let us know if this card is all it’s cracked up to be!

Re: Citi Rewards + Card Approval 21.2k :)

Remedios — Fri, 11 Jan 2019 13:19:58 GMT

Congrats, Raj!!!

Re: Citi Rewards + Card Approval 21.2k :)

CreditCuriosity — Fri, 11 Jan 2019 13:32:33 GMT

Congrats thanks for taking one for team.. I would speculate it might be a bit more laxed approval standards with regard to citi as well. Whether it is AA laxed we don't know yet. Great DP though and better limit that i would of thought for a no AF card with Citi

Re: Citi Rewards + Card Approval 21.2k :)

Gmood1 — Fri, 11 Jan 2019 14:15:53 GMT

Congrats Raging Raja on the massive SL with Citi! Citi isn't known for dishing out SLs like that!

Re: Citi Rewards + Card Approval 21.2k :)

Mahraja — Fri, 11 Jan 2019 14:47:25 GMT

Guys I was perfect candidate to go first for this card here I tell you why no 1 I already took the bonus for the premier (the 60k deal) back in 2018 so I had nothing to lose or gain of the outcome no 2 for me now nothing left to apply (excitement times are gone) no 3 to make sure if its an easy or a hard nut to crack no 4 the only card was left for me to apply with Citi with bonus was and still is AT&T ACCESS MC and I am going to get that in the end of march hopefully the thank you bonus I am now eligible for LOL and no 5 none of you cats were applying for it total silence by the way product change is possible to this card according to doctor of credit update...

i feel there is a big misconception about Citi bank I can guarantee you that.. it was the top bank and card issuer tend to give out huge starting limits back in the 80s and early 90s the banks you know today Comenity and Synchrony were no where to be found those days there were only few Giants including household bank (was the issuer of almost all retail cards back than) Citi changed their lending policy in early 2000 for some reasons to some specific group of applicants otherwise it is the same great bank as it was in 90s I am sure Fin will get my point ..Citi still dishes out decent high limit if you know how to get it long story ....

Re: Citi Rewards + Card Approval 21.2k :)

Cred4All — Fri, 11 Jan 2019 14:54:20 GMT

Great data and congrats on the stellar approval. It's already been said so Ill simply repeat it.. thanks for taking it for the team after we were just discussing in other threads who was going first .

Re: Citi Rewards + Card Approval 21.2k :)

chhull00 — Fri, 11 Jan 2019 19:54:04 GMT

Congratulations mate

Re: Citi Rewards + Card Approval 21.2k :)

xaximus — Fri, 11 Jan 2019 20:05:10 GMT

Congrats on the approval and awesome SL! Maharaja strikes again!