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Citi pre qualify apr went up 5% after new amex inq!

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Anonymous
Not applicable
‎10-23-2015 02:11 PM
‎10-23-2015 02:11 PM

Citi pre qualify apr went up 5% after new amex inq!

I dont need a citi card right now but i like checking the pre qualify site to gauge their preliminary grade on me. TU 727 EQ 725 EX just dropped 13pts to 723 after new amex inq (approved ED) AAOA 11 months. Prior to amex inq (now 11) ciri had me 17.99% on 4 cards. Now 22.99%! That's a big jump.

$28,000 Total CL
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NRB525
Super Contributor
‎10-23-2015 05:55 PM
‎10-23-2015 05:55 PM

Re: Citi pre qualify apr went up 5% after new amex inq!

Thanks for the datapoint. I also noticed some fluctuations in the Citi prequal this year as my scores improved, de-improved, then improved some more.

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
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Imhotrodcrazy
Valued Contributor
‎10-24-2015 11:14 AM
‎10-24-2015 11:14 AM

Re: Citi pre qualify apr went up 5% after new amex inq!

I am pre-approved for all of their cards too,  but they never give me anything lower than 22.99%,  even tho all of my scores are above 800,  and clean reports.  Needless to say,  I don't have any Citi cards. 

FICO 08
TU 842 12/8/18
EX 840 12/29/18
EQ 842 12/8/18
(NASA 30K) ( Amex 44k ) ( Freedom 10.6K ) ( US Bank Cash+ 20k, LOC 15k ) Winners never quit, and quitters never win
last app 2/15
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lhcole77
Valued Contributor
‎10-24-2015 12:15 PM
‎10-24-2015 12:15 PM

Re: Citi pre qualify apr went up 5% after new amex inq!

Good news is that it can be fairly easy getting APR reduced after the fact.

 

My last Citi app gave me 19.24% but I got it reduced to 13.24% after activation.

Message 4 of 5
Jerry45
Valued Contributor
‎10-27-2015 02:49 PM
‎10-27-2015 02:49 PM

Re: Citi pre qualify apr went up 5% after new amex inq!

@lhcole77 wrote:

Good news is that it can be fairly easy getting APR reduced after the fact.

 

My last Citi app gave me 19.24% but I got it reduced to 13.24% after activation.

Good to know. Thanks

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