cancel
Showing results for 
Search instead for 
Did you mean: 

CITI preapproval question

tag
JeffMO
Regular Contributor

CITI preapproval question

Screenshot_20200308-171753_Chrome.jpg

I'm under the assumption, from what I've read here from lots of folks, is that if the APR is solid, it's a bigger chance for approval. I got 3 offers citi double cash, simplicity, and Costco anywhere, all solid APR. Is this a correct assumption?






Capital one 500, Discover 11.1k. UMB Signature visa 18.5k, DW UMB card Auth user 16K. Citi Costco anywhere 26.6k, Amazon Prime 22.3K
BH/Comenity Photo 10k Lowes advantage 35k
AAOA 2y4m, oldest 5 years. 0 collections. 125k income, Util 1% inq 1/12. 1/24. 30/60/90 = 0, No derog's, clean file. Rebuilding started 4 years ago.
Starting Score: 560
Current Score: 795
Goal Score: 850


Take the myFICO Fitness Challenge
Message 1 of 10
9 REPLIES 9
AllZero
Mega Contributor

Re: CITI preapproval question

Looks good. Good luck on your application! Hope to read of your approval soon.
Message 2 of 10
JeffMO
Regular Contributor

Re: CITI preapproval question


@AllZero wrote:
Looks good. Good luck on your application! Hope to read of your approval soon.

Thanks, but I'm just kinda putting some feelers out there, not really sure yet. I'm frugal lol






Capital one 500, Discover 11.1k. UMB Signature visa 18.5k, DW UMB card Auth user 16K. Citi Costco anywhere 26.6k, Amazon Prime 22.3K
BH/Comenity Photo 10k Lowes advantage 35k
AAOA 2y4m, oldest 5 years. 0 collections. 125k income, Util 1% inq 1/12. 1/24. 30/60/90 = 0, No derog's, clean file. Rebuilding started 4 years ago.
Starting Score: 560
Current Score: 795
Goal Score: 850


Take the myFICO Fitness Challenge
Message 3 of 10
M_Smart007
Legendary Contributor

Re: CITI preapproval question

Solid APR, probably good to go!

Message 4 of 10
pinkandgrey
Senior Contributor

Re: CITI preapproval question

I would feel pretty safe going for that. If you're looking for a new card, the DC is an awesome choice. 

Good luck!

Discover It: 21.5k
Amex Cash Magnet: 18k
Fidelity Visa: 16.5k
Apple Card: 4.25k
Message 5 of 10
Anonymous
Not applicable

Re: CITI preapproval question

Good luck if you do end up applying. 

Message 6 of 10
JeffMO
Regular Contributor

Re: CITI preapproval question


@Anonymous wrote:

Good luck if you do end up applying. 


Thank you






Capital one 500, Discover 11.1k. UMB Signature visa 18.5k, DW UMB card Auth user 16K. Citi Costco anywhere 26.6k, Amazon Prime 22.3K
BH/Comenity Photo 10k Lowes advantage 35k
AAOA 2y4m, oldest 5 years. 0 collections. 125k income, Util 1% inq 1/12. 1/24. 30/60/90 = 0, No derog's, clean file. Rebuilding started 4 years ago.
Starting Score: 560
Current Score: 795
Goal Score: 850


Take the myFICO Fitness Challenge
Message 7 of 10
seattletravels
Valued Contributor

Re: CITI preapproval question

You should be good to go! Let us know what you decide! 



Last App: BECU 02-26-2020
Pronouns: He/Him/His
Message 8 of 10
Remedios
Credit Mentor

Re: CITI preapproval question

Looks good to me 

 

I tried Citi prequal a few times in the past, always got a big chunky nope.

The day I applied for Premier I still had no preapprovals, but I got approved anyway 🤷‍♀️

 

While it's great to see one, even the absence of one doesn't mean you cannot be approved

In my case, it resulted in single EX pull. 

 

Good luck if you decide to proceed with the app

Message 9 of 10
JeffMO
Regular Contributor

Re: CITI preapproval question


@Remedios wrote:

Looks good to me 

 

I tried Citi prequal a few times in the past, always got a big chunky nope.

The day I applied for Premier I still had no preapprovals, but I got approved anyway 🤷‍♀️

 

While it's great to see one, even the absence of one doesn't mean you cannot be approved

In my case, it resulted in single EX pull. 

 

Good luck if you decide to proceed with the app


 Seems the few times I've tried in the past has always been variable this is the 1st time I've seen a solid.

 

Thank you for your response and insightSmiley Happy

 






Capital one 500, Discover 11.1k. UMB Signature visa 18.5k, DW UMB card Auth user 16K. Citi Costco anywhere 26.6k, Amazon Prime 22.3K
BH/Comenity Photo 10k Lowes advantage 35k
AAOA 2y4m, oldest 5 years. 0 collections. 125k income, Util 1% inq 1/12. 1/24. 30/60/90 = 0, No derog's, clean file. Rebuilding started 4 years ago.
Starting Score: 560
Current Score: 795
Goal Score: 850


Take the myFICO Fitness Challenge
Message 10 of 10
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.