Ok, that's not bad. The reason is, for nearly two years you don't care what the APR is, and by that time your file will have improved so you can probably ask for an APR reduction anyway.
As you consider when to app, use the prequal tool, and only continue on to the actual app through the tool. Don't take today's result and then in a week do a cold app without going through the prequal, for example.
Unfortunately, there's not a clear way to determine what your SL will be, only Citi knows that. The APR we can predict. Not the SL.
If I can get an SL of close to 10K that'd be ideal. My highest limit card is a Disc More card and that's $11,800. After that $10k and $7.5k.
With my lowest cards being on average around $4-5k.
I've read that Citi can be kinda stingy on SL's? Hopefully my SL isn't too low if approved. 
In my opinion, Citi is a bank that likes to build something of a relationship.
Back in the day, I had two large CL with them, which I used, as in high utilization, and they proceeded to CLD both. I closed one to freeze terms, they closed the other because they could. I'm still paying some on both now, just to keep the age going and to poke them every month for the 1.99% Forever offer they gave me a long time ago. Never any payment problems, just the result of the credit crisis and them wanting to reduce risk.
The Diamond Preferred was a way to allow me back in to show them some activity, even at a $1k limit. In 2015, I've gotten two new Citi cards, $13k and $9k, with two closed cards with balances and the $1k DP.
So that's a long way of getting to: I would not worry or judge the starting limit. It will be what they give you. It would be nice if it is $10k, but I'm not aware of any method to predict that. Your annual income level is probably the next input factor for discussion. From this new card, you can build a relationship and future apps, after some time with this new card, will likely be higher limits.
@boober wrote:Hey all.
I read in another thread that Citi is kinda finicky about approving people for their CC's in terms of blemished reports, so I'm hoping to find out if I fall into that category before I apply with them.
I'm considering applying for one of their better BT cards in about a week or so. I just got done paying a bunch of debt off and my UT and everything else looks really good. Here's my info...
UT on all cards is about $7500/75000. Scores are all around 770 or so. Oldest account is about 15 years old. Not sure on my AAoA, not sure how to find that out.
Income is $85,000. My most recent CC is from about 2 months ago. Before that, I got a few new cards about 7 months ago or so. Inq's is about 5-9 depending on the bureau.
The only negative thing I have in my report is about 6-7 years ago or so, I was late on my mortgage and my rentals mortgate by 30 days 4 times total.
I've never been late before on anything else. Could those late payments potentially hold me back from getting a Citi card?
Also what do you guys think I might be able to get for a SL? All my CC's are in the 4k to 12k range.
Thanks for the help.
If your EX is 770, I think you're good to go
