I’m SO TEMPTED (Guess SL before I Apply!!!)

[Anonymous]

5 accounts

- Elan ($1500) opened 4/1/18

- Amex CM ($7600) opened 12/1/18

- Discover ($5900) opened 12/27/18

- Chase Freedom ($2500) opened 4/2/19

- BofA CR ($1100) opened 7 months ago

Scores all above 750 (all Fico)

AAoA 1.2 years

AoOA 2 years

AoYA 7 months 

Utilization below 10%
Inquires are 3 or less on all bureaus

No derogatories or anything negative at all. 
Income $17,000-$20,000

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@seattletravels wrote:

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@Anonymous wrote:

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@M_Smart007 wrote:

Are We going to start guessing at the approval SCL?

"IF" so  .. I guess between $1000 and $3800

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Okay, y'all have me convinced!!! I'll apply tonight after I'm finished working. I want to hear them guesses! Let's hear them!!! 

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What else is in your wallet? 

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[pinkandgrey]

Do it! I got my DC after getting bombed with prequal mailers for it lol. It's a great card and two percent is indeed superior to 1.5 

Good luck! 

[Anonymous]

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@pinkandgrey wrote:

Do it! I got my DC after getting bombed with prequal mailers for it lol. It's a great card and two percent is indeed superior to 1.5 

Good luck! 

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It's funny, though, in my case citi bombs me with mailers for the diamond preferred and rewards+ every other day. Not a single mailer for DC. However, I prequal on their website for the DC as my number one option, then 2 other cards that I don't even pay attention to lol. I've been prequalled on their website for months, but never a mailer! 

[GApeachy]

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@Anonymous wrote:

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@M_Smart007 wrote:

Are We going to start guessing at the approval SCL?

"IF" so  .. I guess between $1000 and $3800

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Okay, y'all have me convinced!!! I'll apply tonight after I'm finished working. I want to hear them guesses! Let's hear them!!! 

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$5k.......that's my bet. 

[Ficoproblems247]

Ok, I'll play. My bet is 4k. 

[GApeachy]

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@Ficoproblems247 wrote:

Ok, I'll play. My bet is 4k. 

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side bet?

[Anonymous]

My guess:

Decline ($0) - $999.00. Sorry. Hope you do better. 

[GApeachy]

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@Anonymous wrote:

My guess:

Decline ($0) - $999.00. Sorry. Hope you do better. 

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Okay, your job is to do a beer run, lol!

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

As a fellow low income earner in the same range, yes. 

I applied for Rewards+ in September when I was at 17/24 and was approved for $1900. I have a BK that was 9 years old and my scores were around 710-720. AAoA was around 2 1/2 years. I had 5 new accounts in the last 6 months. Far from a favorable profile by Citi standards. 

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You did a **bleep** fine job with that approval! It seems Citi isn't nearly as picky as I once thought. It's very encouraging to see someone get a SL that's not $500 with income around mine. You guys are all giving me hope! (Or encouraging bad behavior, ha!) 

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They can be picky for sure but 700s and less than 6 inquiries in 6 months along with reasonably low utilization seem to be approved more often than not. 

I have always been known as a bad influence so definitely encouraging bad behavior.  😎

[Anonymous]

Looking at existing cards, $1500-$2500 would be my guess. Knowing Citi it won't be evenly divisible by $500. They must really hate people who have OCD over there.