topic Re: To try for a Citi card or not... in Credit Cards

To try for a Citi card or not...

bellrod44 — Tue, 04 Dec 2012 14:42:48 GMT

I'm currently debating on app'ing for a Citi card. Here's my dilemma:

New mortgage (10/12)

BofA rewards Secured (4/12)

Wal-mart store card (10/12)

US Bank rewards (11/12)

I know my AAoA is very low and my credit has taken a hit. The reason I want to app for a Citi card is for the 0% BT to move some larger purchases to. My gut is telling me to hold off on app'ing for anything for awhile.

My credit scores are currently about 670 due to the new accounts and inquiries. I'm on the fence on whether to app now, or just suck it up and garden for a while.

Re: To try for a Citi card or not...

jsickz32 — Tue, 04 Dec 2012 14:47:29 GMT

I was approved for the forward with ex score of 675, 6 new accounts that same month i app for citi and aaoa of 1 year. It took 2 week for approval but i was approved for 2k

Re: To try for a Citi card or not...

gettnthere — Tue, 04 Dec 2012 15:40:06 GMT

I was instantly approved with a 6,000 CL with an EQ Fico of 698. But i had 20 inqs and 8 new accounts and they still approved me, not only that but gave me my highest CL to date. Id say go for it!

Re: To try for a Citi card or not...

bellrod44 — Tue, 04 Dec 2012 15:56:11 GMT

I don't know much about Citi. Which card would you guys suggest app'ing for?

Re: To try for a Citi card or not...

youngandcreditwrthy — Tue, 04 Dec 2012 19:02:48 GMT

Seeing this stuff makes me want to app for Citi Diamond early!! lol but I feel like Im jumping the gun too.

What card did you get gettnthere?

Citi Diamond?

Re: To try for a Citi card or not...

gettnthere — Tue, 04 Dec 2012 19:04:19 GMT

Na i got the forward card bc of how much i eat out. I still want either the diamond preferred or thank you preferred but its gonna be awile lol i wish i could app now tho!

Re: To try for a Citi card or not...

Anonymous — Tue, 04 Dec 2012 19:21:16 GMT

i have gotten 5 Citi cards this year with a 735 FICO. Diamond is best for BT as it is 18 months. Simplicity is 15-18 months 0%

Re: To try for a Citi card or not...

distantarray — Tue, 04 Dec 2012 19:21:20 GMT

personally I believe as long as your scores are high enough Citi won't really care. I got 5 cards in about a month Citi Forward being the last approved for $6,500 score was 738 on their scoring system. It was 758 Fico before app spree =)