topic 722 EQ - (No Baddies) - Looking For Citi Personal/Business Card in Credit Cards

722 EQ - (No Baddies) - Looking For Citi Personal/Business Card

jbh — Thu, 13 Nov 2008 00:24:18 GMT

Hey,

Actually, when 2 balances update on the 20th, it'll be 740+. Thing is, I have 4 new accounts with 3 month history.

Would I get flat out denied due to the 3 month history of 4 accounts? Inq's and util will be low but I worry about the new accounts. MUST I wait 3 more months to qualify?

I don't NEED high limits. I just want one good citi Diamond card and one citi business card (they pull EQ here in NYC). Would you say I have a good shot?

Thanks

Re: 722 EQ - (No Baddies) - Looking For Citi Personal/Business Card

Anonymous — Thu, 13 Nov 2008 02:48:20 GMT

i dont know if you would get denied but if at all possible wait 3 months more until all cards over 6 months

Re: 722 EQ - (No Baddies) - Looking For Citi Personal/Business Card

Anonymous — Thu, 13 Nov 2008 02:53:21 GMT

For comparison, I got an $11K access line on Citi Platinum Amex with EQ around 705 (I'm also in NYC), zero inqs, AAoA around two years, ten accounts under twelve months, and two accounts under three months.

I think you'd be OK. As long as your EQ is fairly clean, they're not usually too worried about a few young accounts.

Re: 722 EQ - (No Baddies) - Looking For Citi Personal/Business Card

jbh — Thu, 13 Nov 2008 05:28:01 GMT

Ah, that's re-assuring

Thanks, guys. Since I don't have 1+ year history with major banks (1+ with first premier, 6+ with Orchard and 8+ year old car loan alnog with 4 other positive new accounts), I figure a business card is out of the question since my biz file is not established.

Well, I must start somewhere. I'll consider getting AA and transfering it or the cash returns. Afraid that citi amex is still out of my reach unless they give a $1k limit or less. Too chicken

Re: 722 EQ - (No Baddies) - Looking For Citi Personal/Business Card

Anonymous — Thu, 13 Nov 2008 15:12:27 GMT

I applied thre days ago for a Citi Plat Amex - declined because of

insufficiant credit history (17 months) and
too many inquiries (4 in two years)

They pulled from Experian.

Faxed them a Recon this morning - we'll see.

Message Edited by Flo on 11-13-2008 07:11 AM

Message Edited by Flo on 11-13-2008 07:12 AM