topic Re: BFF got a citi DC mailer in Credit Card Applications

BFF got a citi DC mailer

ddemari — Wed, 15 Jun 2016 19:02:27 GMT

I was at my bff's apt last night and looking at her mail and see that she got a citi double cash mailer. Inside it does offer her an apr of 21.24% and has the you can opt out of prescreened credit message box on the mailer. Her credit would be amazing except for her high utilization. I'd say she is like at 70% uti over all her cards. She was approved at the register for a Nordstrom store card 2 weeks while we were shopping, I was jealous lol. Her ficos are in the 650s with no Derogs, Aaoa is about 7 years with 1 recent inquiry oN EX and 2 from last year, 1 on EQ and Tu also. Income is around 70k.

On the citi site she doesn't have any offers though. Would it be stupid to try for the card with that high of utilzation?

Re: BFF got a citi DC mailer

DoroLucky — Wed, 15 Jun 2016 19:05:00 GMT

@ddemari wrote:
I was at my bff's apt last night and looking at her mail and see that she got a citi double cash mailer. Inside it does offer her an apr of 21.24% and has the you can opt out of prescreened credit message box on the mailer. Her credit would be amazing except for her high utilization. I'd say she is like at 70% uti over all her cards. She was approved at the register for a Nordstrom store card 2 weeks while we were shopping, I was jealous lol. Her ficos are in the 650s with no Derogs, Aaoa is about 7 years with 1 recent inquiry oN EX and 2 from last year, 1 on EQ and Tu also. Income is around 70k.
On the citi site she doesn't have any offers though. Would it be stupid to try for the card with that high of utilzation?

Wait you're felame too?

Yes, don't pull that trigger with 70% util

Re: BFF got a citi DC mailer

ddemari — Wed, 15 Jun 2016 19:06:17 GMT

No I'm male, I'm using bff in stead of bf to avoid confusion. Lol

Re: BFF got a citi DC mailer

Anonymous — Wed, 15 Jun 2016 19:09:08 GMT

Have her get utilization down as much as possible, at least to 50%, and try at that time. 50% isn't ideal but it's passable.

650 FICO is also a bit low for Citi I would say. perhaps when she gets her utilization down, her score will rise a bit.

Good luck, d.

Re: BFF got a citi DC mailer

Anonymous — Wed, 15 Jun 2016 19:08:01 GMT

@ddemari wrote:
No I'm male, I'm using bff in stead of bf to avoid confusion. Lol

@Anonymous @ d

Re: BFF got a citi DC mailer

ddemari — Wed, 15 Jun 2016 19:09:02 GMT

Yeah that does make sense, I thought maybe she could get that lucky approval but I think 70% is way too high also.

Re: BFF got a citi DC mailer

DoroLucky — Wed, 15 Jun 2016 19:26:26 GMT

@ddemari wrote:
No I'm male, I'm using bff in stead of bf to avoid confusion. Lol

LOL I thought so....

bwahahahhahaha I would have been even more confused for sure

Re: BFF got a citi DC mailer

RonM21 — Wed, 15 Jun 2016 22:19:22 GMT

Once the util goes down then the situation will be better for approval. Also, just an added note that they tend to be a bit tight on starting limits, but ymmv.