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Citibank Custom Cash pre qual worth the pull

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PalmerNoDrama
Established Member

Citibank Custom Cash pre qual worth the pull

Got Citibank Custom Cash pre qual in the mail with 15 month zero rate. I dont have a citibank but since I am building back credit I was wondering if I should take a shot at it-

My only worry is I have opened 2 AMEX (1k each), Apple card (1500), FNBO (3800) and Discover (7k) in the last 6 months. I had the intention of just gardening these news one till mid next yr-

 

What do you think-

Experian score 660

Road to $100k CL
Currently 36K
Message 1 of 6
5 REPLIES 5
Lou-natic
Established Contributor

Re: Citibank Custom Cash pre qual worth the pull

Don't apply with Citi until you are 0/6 is my best advice.




3/3/24
Message 2 of 6
PalmerNoDrama
Established Member

Re: Citibank Custom Cash pre qual worth the pull

thanks!!!

Road to $100k CL
Currently 36K
Message 3 of 6
coldfusion
Community Leader
Mega Contributor

Re: Citibank Custom Cash pre qual worth the pull

 

The prequal would have been based upon a quick review of a point-in-time snapshot of your credit profile.  There's no way of knowing exactly what that point in time was, but you can assume it was roughly from around 2 months ago. 

 

If

a) all 3 of those cards started reporting at least 3 months ago, and 

b) there haven't been any other significant changes in your report like for example a new installment loan or big jump in utilization on your current cards

 

you can consider taking a shot at the Custom Cash.   If the cards were all reporting 3 months ago they all would have been factored in as part of the evaluation of your credit report.   Otherwise, you're probably better off not applying.

(5/2024)
FICO 8 (EX) 846 (TU) 850 (EQ) 850
FICO 9 (EX) 850 (TU) 850 (EQ) 850

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion
Message 4 of 6
PalmerNoDrama
Established Member

Re: Citibank Custom Cash pre qual worth the pull

thanks- I think I am going to wait it out-

I do have two store cards issued by Citibank- they are both zero balance and SL of 6500 combined - I think they why I might have gotten the pre qual

Road to $100k CL
Currently 36K
Message 5 of 6
FinStar
Moderator Emeritus

Re: Citibank Custom Cash pre qual worth the pull


@PalmerNoDrama wrote:

thanks- I think I am going to wait it out-

I do have two store cards issued by Citibank- they are both zero balance and SL of 6500 combined - I think they why I might have gotten the pre qual


An item to keep in mind, the pre-selected offer (not prequal) is typically not based on existing relationships with Citi Retail products. They're a separately-managed division altogether. 

Message 6 of 6
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