AMEX blue everyday vs CITI

Anonymous · ‎02-12-2022

Hey y'all,

I was prequalified for the AMEX blue card today and they gave me a hard APR- does this mean I likely would be preapproved? My FICO: EX 715,

TU: 703, EQ: 738. I have quite a few Citi cards recommended as well(via Experian, Credit Karma). My income is $32000. I recently was approved for a Discover with a $7500 SL, and a Mercury MC at $1500. I paid off my Oportune with a BT from Disco. My income is low but I have no mortgage, no student loans(paid off). Would y'all pull the trigger on AMEX or look at some Citi offerings? Which of the 2 companies offer a higher SL, typically speaking(I want to keep my UTI down)? If anyone has a Citi card, how do you like it? Thanks in advance. My 32k income does not include my self-employment. I usually pull in $1000/monthly thereby, giving me a $44000 income. Thanks in advance.

pizzadude · ‎02-12-2022

Prequalified and pre-approval are the basically the same, but they're meaningless in terms of what interest rate and credit limit you might receive if you decide to apply and are actually approved. That will be based on their own underwriting criteria, which includes a number of factors such as your income, creditworthiness, other available credit, etc..

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX

EAJuggalo · ‎02-13-2022

With your scores you probably would be approved for a Blue. Or a charge, or an Everyday.

I would take anything from AMEX before I would take something from Citi. I've had huge issues with Citi and have decided to let me DC wither away.

EX700 TU 704 EQ 694 4/03/22
Cap1 QS-$4,500 Chase Freedom Flex- $800 Chase Freedom Unlimited- $1,000 Victoria's Secret- $1,200 Citi DC- $800 Amazon Store Card- $3,500 AMEX Hilton Honors-$1,000 Discover It-$1,000 Wal-Mart MC $290 Chase Sapphire Preferred-$5,000 NFCU Flagship $13,800 AMEX BCE-$1,000 AMEX Gold-$5,000 AMEX Delta Blue $1,000 Lowe's $5,000 Navy Platinum $17,000 AMEX BBP $2,000

Hoben02 · ‎02-13-2022

The question is are you looking for a cashback card or points miles card.

Chase (CSP,CF,CFU,southwest premier)
Barclay(jetblue, arrival)
Bofa(US pride, premium, travel, cash, Suzy komen)
Citi(Premier, Double cash, Costco)
Fnbo(Mlife)
Amex(everyday, cash, Hilton)
Blockfi
Caesars rewards
Sofi
Gemini
Cap One Savor One

FishingGuy · ‎02-13-2022

I would also get into with Amex first, if you're good with them... your relationship & CL and options will grow faster than with Citi

Anonymous · ‎07-06-2022

I concur with @EAJuggalo . American Express over Citi.

Cashbackjunky · ‎07-06-2022

I'll pile on here and say I'd agree with everyone else.

Amex > Citi

In my opinion, Amex outshines Citi in every aspect

850

INQ:
1

850

INQ:
5

837

INQ:
7

TCL: $758.15k CCs:28 AAoA: 7yr 1mo Util: ~1% Derog: 0

Mortgage: $201.0k Car Loan 1: $15.3k Car Loan 2: $16.3k

Anonymous · ‎07-06-2022

Absolutely @Cashbackjunky , American Express. No contest.

coldfusion · ‎07-07-2022

Given that the OP's requesr for feedback was made 5 months ago it's probably a safe bet that they already made their decision and applied appropriately. ;-)

(10/2025)
FICO 8 (EX) 838 (TU) 846 (EQ) 850
FICO 9 (EX) 850 (TU) 850 (EQ) 850

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion

OmarGB9 · ‎07-07-2022

@coldfusion wrote:
Given that the OP's requesr for feedback was made 5 months ago it's probably a safe bet that they already made their decision and applied appropriately. ;-)

They also haven't been back since making this thread...

Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:

Current FICO 8 scores: