topic citibank pre qualify approval chances in Credit Card Applications

citibank pre qualify approval chances

Anonymous — Thu, 29 Aug 2019 17:01:11 GMT

Lurker here for months...great info... Tried out Citibank prequalify.. placed me into smplicity application... question how good are chances to get approved ...with 628 EXP, 622 TU, ...credit utilize 52 % ..aim is to get a low interest citibank transfer , to pay off creditone,merrick cards

Re: citibank pre qualify approval chances

CreditCuriosity — Thu, 29 Aug 2019 17:15:15 GMT

@Anonymous wrote:
Lurker here for months...great info... Tried out Citibank prequalify.. placed me into smplicity application... question how good are chances to get approved ...with 628 EXP, 622 TU, ...credit utilize 52 % ..aim is to get a low interest citibank transfer , to pay off creditone,merrick cards

Honestly pretty slim.. If approved it would be for a lower CL that you would desire IMO and not enough of a limit I speculate to BT that 52% utilization to another card.. Not really saying how much that 52% equates to, but if anything over 5-7k i would do a hard pass on it as you won't get a big enough limit. I would look for a low APR personal loan if trying to get debt under control, but that is a double edge sword as your scores are fairly low partially due to utilization it will be hard to get approved for one of those as well at a rate that beats most likely your current credit card rate.. Although you can certainly check many sites that do Soft Pulls for such a thing and give rates by sp's.

Re: citibank pre qualify approval chances

Anonymous — Thu, 29 Aug 2019 17:14:44 GMT

had 780s TU in 2008 ....now utilization 52 % of $11,000..my Amex chargeoff falls off cr in 5 months....thanks... won't risk a HP for now