Hey all. I'm about to be 0/6, 3/12, 5/24 which I thought would make it safe to apply for the Citi Custom Cash. Recent data points have me squeamish though. It looks like this year, they've become much stricter with applications. Anyone whose recently-- like within year 2023 -- applied for a Citi card, whether approved or denied, I'd love to see your DPs with as much detail as you're willing to share.
Here are mine if anyone wants to take a gander at my chances. I am trying to decide if I should wait until 2/12 to apply:
FICOs: 783 Experian, 801 TU, 811 Equifax ; clean payment history
Income: $62K
New Accounts: 0/6, 3/12, 5/24
Inquiries: 2-3 on each report
Util: 8% highest on one 0% apr card, 4% total utilization, not going to AAZEO because I hear Citi actually dislikes that (?)
AAoA: 6 years
AoOA: 13 years
