Citi rewards+ pre-selected

[Anonymous]

Ok, so I'm fully aware that the pre-selected is usually nothing more than targeted marketing. But I've been getting a ton of offers for this card. Several each week for at least 3 months now I think. Finally opened one up and read through it. It is offering 0% apr for 15 months and then 14.99% afterwards. 13.49-23.49% is the range given on their website for this card. Given that what they are showing me is at the lower end of their range and I do have a pinpointed apr in that offer, would you guys thing that I've got a decent chance of getting an approval? I have zero experience with citi, just a brooks brothers store card that they are the FI on.

[Golf-and-Credit]

Seems pretty solid to me. Citi doesn't have a pre qualify option anymore on the website to check, but with a solid APR it looks good. Nothing guaranteed but you probably have a good shot if nothing has changed on your reports since they SP you. Good luck! 

[coldfusion]

Decent shot yes, but Citi is a fairly conservative lender overall with their core cards so don't expect a record-breaking starting limit if approved.

[Anonymous]

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@Golf-and-Credit wrote:

Seems pretty solid to me. Citi doesn't have a pre qualify option anymore on the website to check, but with a solid APR it looks good. Nothing guaranteed but you probably have a good shot if nothing has changed on your reports since they SP you. Good luck! 

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Nothing really changed at all, my "card scores" have improved a bit. Either right at, slightly below or slightly above 700 across the board with exfico9 showing as high as like 730. I have a few baddies scheduled to fall off my report hopefully next month. I'll probably wait til they are gone before I go for it. Thanks!

[Anonymous]

Hey thanks coldfusion! Through my searches trying to find info on this fi, I have definitely seen that and that their cli's can also be stingy and low. That is giving me reason to pause. All my other cards are relatively low limit cards. Don't want them to see that and give me another really low SL that I'm trying to get away from.

[FinStar]

If your profile can support the application and if this card is a good fit for your overall use, you can give it a whirl and see.  Just keep in mind, regardless of countless solicitations and APR fluctuations from prior pre-selected offers, it doesn't necessarily translate into a 100% guarantee.  This is just how targeted marketing works.

How many new accounts and/or inquiries in the past 6-12 months?  How's your overall utilization and current FICO scores?

[Anonymous]

1 new account and 1 inquiry in the last 12 months. Overall utilization is 9-10% I have 1 card that is sitting at about 40% or a little less. Fico Scores in my siggy are current. If they use the bank card scores, those are all slightly higher.

[FinStar]

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@Anonymous wrote:
1 new account and 1 inquiry in the last 12 months. Overall utilization is 9-10% I have 1 card that is sitting at about 40% or a little less. Fico Scores in my siggy are current. If they use the bank card scores, those are all slightly higher.

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Ok, I would definitely try to get that utilization down a bit for optimal results.  And, as you mentioned upthread, if you want the best opportunity for a good SL, wait until the derogs are completely off all your CRs.

[MitchDeerfield]

Citi has  a very generous offer for new applicants.  A $250 bonus if you spend $1500 within 3 months.

I would jump on that offer if you can meet that purchase level.  They have another offer as well, a $150 bonus for $1000 in purchases. 

https://www.creditkarma.com/creditcard/CCCitiBank2001

[SweetCreditObsession]

I think it's a solid offer. I only have a single Citi card, (DC), which I got from a mailer just like you. They gave me the highest SL I've seen and up until I got a second Disco card last year, have consistently been my highest card limit.