Citi DC approval odds?

[Keatonsdaddy]

I'm going to wait until my card reports zero on the 19th and I have one inquiry falling off on the 22nd, I'll pull the trigger then and update after!!!

[AverageJoesCredit]

Yeah, prequals arent necessary with Citi, ive never seen one though im an outlier in credit

[pinkandgrey]

I wouldn't try it yet. I don't see that yielding any Citi fruit. 

[Keatonsdaddy]

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@pinkandgrey wrote:

I wouldn't try it yet. I don't see that yielding any Citi fruit. 

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What are your recommendations? And BTW I only have one inquiry in the last 6 months, most of them are all around the 1 year mark or closer to 2 years!

[Anonymous]

Oh I understand.  I just don't pull the trigger without that Pre Qual.   I want to know I at least got an 80% chance or better getting approved.

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@Keatonsdaddy wrote:

I did but it's not giving me any cards for pre qual. I have read alot about people still getting approved even with no solid pre qual?

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@Anonymous wrote:

Just try there pre qual website that will tell you if you can or cannot

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@Keatonsdaddy wrote:

Just testing the waters on what you guys think about my approval odds. I tried the pre qual and it is not giving me solid APR. I'm currently at 10 inq's with one card still reporting a 60 percent utilization, it is PIF. I do have quite of few new in accounts in the last year or so as follows! (5) inq's are for car/mortgage loans...

Cap one - 08/19

Best buy - 11/18

Chase FU - 04/19

Chase amazon - 09/19

Ford auto loan 07/19

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[Anonymous]

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@pinkandgrey wrote:

I wouldn't try it yet. I don't see that yielding any Citi fruit. 

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Why do you say that? OP has a profile that actually seems very favorable to Citi once utilization is in order unless I'm missing something here?

[pinkandgrey]

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@Keatonsdaddy wrote:

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@pinkandgrey wrote:

I wouldn't try it yet. I don't see that yielding any Citi fruit. 

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What are your recommendations? And BTW I only have one inquiry in the last 6 months, most of them are all around the 1 year mark or closer to 2 years!

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Apparently I misread something. I thought you had six inqs in the last few months. With this new information, I would say you have a decent shot. I got my DC when I had something like four recent inqs. Although, you may still hold off until you see a solid APR given. 

Whatever you decide to do, good luck! 

[seattletravels]

Ar the scores in your signature current? If so, i think youre good to go.

[Keatonsdaddy]

I went for it this morning and got an instant approval for the DC card with a 1,600 dollar SL. I'll definitely be requesting a CLI when I receive it as that's by far my lowest card lol. I called underwriting to try a double dip but they advised I would have to wait till I receive the card in the mail. I'll make a credit approval post later today😁

[newfossil]

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@Keatonsdaddy wrote:

I went for it this morning and got an instant approval for the DC card with a 1,600 dollar SL. I'll definitely be requesting a CLI when I receive it as that's by far my lowest card lol. I called underwriting to try a double dip but they advised I would have to wait till I receive the card in the mail. I'll make a credit approval post later today😁

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Congratulations!