topic Re: City National Bank Crystal Infinite Approval in Credit Card Approvals

City National Bank Crystal Infinite Approval

CreditUp26 — Sun, 04 Aug 2019 18:47:17 GMT

I was very unsure whether I would get approved for the City National Bank Crystal Infinite card. You have to go in branch, fill out a paper form, provide proof of income, you e-sign paperwork, and then it goes through a manual underwriting. It took 2 business days but I did get approved - my understanding is I was barely approved but made it with the $10k starting limit. They pulled my Experian (740 FICO, 25 inquiries 18 months, 4 new accounts in last 12 months) and it seems like my income ($80-90k range) was on the lower side for them. Also your DTI has to be less than 30%. I did not receive the 50,000 bonus point offer because I did not have my application approved by the 7/31 deadline.

Re: City National Bank Crystal Infinite Approval

nuohlac — Sun, 04 Aug 2019 19:46:12 GMT

Congratulations on your approval!!! Thanks for the DP's; this one is on my hit list when some HP's fall off and my scores recover.

Re: City National Bank Crystal Infinite Approval

Anonymous — Sun, 04 Aug 2019 23:49:24 GMT

Congrats on your CNB Crystal Infinite approval! Sweet card!

Re: City National Bank Crystal Infinite Approval

gdale6 — Sun, 04 Aug 2019 20:04:12 GMT

Congrats on the new visa

Re: City National Bank Crystal Infinite Approval

CreditInspired — Sun, 04 Aug 2019 22:18:19 GMT

@CreditUp26 wrote:
I was very unsure whether I would get approved for the City National Bank Crystal Infinite card. You have to go in branch, fill out a paper form, provide proof of income, you e-sign paperwork, and then it goes through a manual underwriting. It took 2 business days but I did get approved - my understanding is I was barely approved but made it with the $10k starting limit. They pulled my Experian (740 FICO, 25 inquiries 18 months, 4 new accounts in last 12 months) and it seems like my income ($80-90k range) was on the lower side for them. Also your DTI has to be less than 30%. I did not receive the 50,000 bonus point offer because I did not have my application approved by the 7/31 deadline.

Wow, if a $10K SL is barely getting approved, you hit the ball out of the park. Congratulations to you.

Re: City National Bank Crystal Infinite Approval

Anonymous — Mon, 05 Aug 2019 00:56:37 GMT

Big congrats on a unicorn OP - enjoy the exclusivity!

Re: City National Bank Crystal Infinite Approval

M_Smart007 — Mon, 05 Aug 2019 00:58:51 GMT

Inquiries are so overrated Congrats!!!

Re: City National Bank Crystal Infinite Approval

Gotham- — Mon, 05 Aug 2019 01:09:53 GMT

Glad you got the Unicorn! Congrats Gallop Gallop!

Re: City National Bank Crystal Infinite Approval

coldfusion — Mon, 05 Aug 2019 02:00:39 GMT

Congrats on the approval!

Who cares if you were "barely" approved, the only thing that matters was that you *were* approved.

Will you qualify for a 30,000 point SUB for meeting the spend?

Re: City National Bank Crystal Infinite Approval

CreditUp26 — Mon, 05 Aug 2019 02:05:55 GMT

Yes, they said I can do the 30k for $3k but because I wasn't approved by July 31st I didn't qualify for the 50k offer

Re: City National Bank Crystal Infinite Approval

coldfusion — Mon, 05 Aug 2019 02:17:51 GMT

That's too bad. Still worthy of congratulations.

Re: City National Bank Crystal Infinite Approval

CreditCuriosity — Mon, 05 Aug 2019 14:03:23 GMT

Congrats.. Just curiosu where you heard the 30% dti ration from... Just guessing or UW or banker told you or due to income being on lower side they want to see that ratio or better? 30% DTI is pretty conservative which can be written in stone certainly, but guessing just like the magical 100k income isnt written in stone either as a few approvals with less than 100k on this forum alone. Thanks in advance.. Reason I ask is I am at a 31-32% dti currently and might look at the card sometime in the future, granted I could get that lower then 30% by time I apply, just seeing where you heard that figure and if it was a hard stop.