topic Re: Citi Custom Cash approval [IDK how or why I was approved] in Credit Card Approvals

Citi Custom Cash approval [IDK how or why I was approved]

Crash_Log — Sun, 07 Nov 2021 20:12:49 GMT

Just nabbed the Credit Karma 30K TYP for 1K spend with a credit line 6,800

man...I just dont fit the mold of the 'too many inquires' or Im puzzled. I should have been denied. I really rolled the dice here, I guess Im glad I did as I really want the 30K TYP for some summer 22 travel. Here are my data points, staring with most recent.

Citi Custom Cash- 11/21 $6,800

Amex Marriott Bonvoy Brilliant 10/21 $10,000

Personal Loan 9/21 $15,000

Citi Premier 8/21 $7,500

Chase Freedom Flex 7/21 $12,500

Amex Blue Cash Pref 11/20 $10,000 (canceling in Dec-ish)

Chase Freedoom Unlimited 9/20 $2,500

Chase Sapphire Prefered* 4/20 $10,500 (May 21 I PC'd to CSR, and much happier)

Before this my credit was not great and my understanding of credit cards was actually 100% backward. Places like this and YouTube have swung it aroud and now I'm 730-760s the swings are because I've gotten 4 cards since July....wow. I've made a promise that no more to 2023.

So, I still feel like I buck the trend on Citi some what, but here is my tip. Im not sure this is real but it's what I've experienced twice with the premier and now with the custom cash. I apply and (both time) I get the 7-10 days notice and I immediately call. They (both times) are confused and ask questions like when did you apply and I say like seconds ago. And (both times) they say, I'll process the app right now. It take a while 15+ mins of hold. Then they say, okay let me call you at the number you applied with and hang up and call right back and say, okay we are done here.

Also, there is a lot of Citi hate out there but not from me. Happy customer. I'm happy to offer more data points. Salary 97K. I keep my Credit Karma and myFICO both say my utilization rate is about 3% and that seem right. My only other card is a BOA Cash Rewards card that Ive had for 13 years. It was a secured card that they shifted to revolving 10ish years ago. And while I carried high balances with it I've never had a late/missed payment. However I did WRECK some student loans about 5 1/2 years ago and if hadn't I think my credit would in the high 700's. I didn't default or I did re....forget what its called but for one year I had to pay almost 700 a month to rebuild the loan and prevent the default but the late payments are dragging my score down and I have to lay in that bed.

Anyway. I hope this helps?

Re: Citi Custom Cash approval [IDK how or why I was approved]

Anonymous — Sun, 07 Nov 2021 20:26:59 GMT

Congrats on your Citi CC approval and success on getting your credit back in the right direction! 🥳

Re: Citi Custom Cash approval [IDK how or why I was approved]

cashorcharge — Sun, 07 Nov 2021 20:59:53 GMT

Congratulations on your Citi approval🥂🎉👏🏼

Re: Citi Custom Cash approval [IDK how or why I was approved]

Lou-natic — Sun, 07 Nov 2021 21:22:46 GMT

Congrats on your Citi Custom Cash, welcome to the party

Re: Citi Custom Cash approval [IDK how or why I was approved]

gdale6 — Sun, 07 Nov 2021 21:56:02 GMT

Grats on your new Custom Cash approval

Re: Citi Custom Cash approval [IDK how or why I was approved]

CreditMagic7 — Sun, 07 Nov 2021 22:20:36 GMT

Congratulations on your Citicard Custom Cash Approval!

Re: Citi Custom Cash approval [IDK how or why I was approved]

Rebuild2019 — Sun, 07 Nov 2021 22:40:54 GMT

Congratulations 🎉🎈🎊 on your Citi approval.

Re: Citi Custom Cash approval [IDK how or why I was approved]

CreditAggie — Sun, 07 Nov 2021 23:13:42 GMT

Congratulations on your Citi Custon Cash approval! The CK offer is tempting but I'm not sure of my chances being 1/6 and 3/12 on EX inquiries and new accounts.

Re: Citi Custom Cash approval [IDK how or why I was approved]

KingRue8500 — Mon, 08 Nov 2021 00:03:04 GMT

Congrats on your Citi Custom Cash approval

Re: Citi Custom Cash approval [IDK how or why I was approved]

Total80sKid — Mon, 08 Nov 2021 05:00:19 GMT

Congrats on the Custom Cash approval 👍🏼

Re: Citi Custom Cash approval [IDK how or why I was approved]

Sub16610 — Mon, 08 Nov 2021 05:04:27 GMT

Congratulations on your Citi CC approval!

Re: Citi Custom Cash approval [IDK how or why I was approved]

Crash_Log — Mon, 08 Nov 2021 05:48:19 GMT

@CreditAggie wrote:
Congratulations on your Citi Custon Cash approval! The CK offer is tempting but I'm not sure of my chances being 1/6 and 3/12 on EX inquiries and new accounts.

I here ya @CreditAggie not to mention I'm concerned about my momentum and now being 7/24...but I chase appears in my review to '23 and the possible ding for denial seems worth the 30k. I'm team travel/points and with 88k in TYP's already in the bank the allure of adding 30 to that out weighed the ding...and apparently I don't have impulse control. 😬🤪

Re: Citi Custom Cash approval [IDK how or why I was approved]

Wavester64 — Tue, 09 Nov 2021 04:22:46 GMT

@Crash_Log

Re: Citi Custom Cash approval [IDK how or why I was approved]

ChargedUp — Tue, 09 Nov 2021 01:28:11 GMT

Congrats on the new Custom Cash card!

Re: Citi Custom Cash approval [IDK how or why I was approved]

NRB525 — Tue, 09 Nov 2021 01:43:33 GMT

Congrats on getting the Custom Cash! Your wallet of cards is very well structured now, well done with your efforts to improve your credit.

Re: Citi Custom Cash approval [IDK how or why I was approved]

Crash_Log — Tue, 09 Nov 2021 06:14:01 GMT

Thank you @NRB525 I need to print that out and tape it to my computer so I can let those words wash over me every time I go shopping for the last piece of the puzzle. I've really been searching for the best set up. So I get in-bank trifectas but I've really been thinking about the most diverse point set ups. I have zero issue with the CSR for flights and car rental but I found all my hotel stays were like the worst rooms possible. Hence the Bonvoy otherwise I'm loving the Citi + Chase combo's it's really working well for me. I'm feeling good about my credit card game.

Thank you all for being a chill friendly forum too. Such good vibes here!

Re: Citi Custom Cash approval [IDK how or why I was approved]

M_Smart007 — Fri, 12 Nov 2021 15:17:06 GMT

Congratulations on your CCC approval!!!