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I am really trying to hold off on opening new accounts since I opened about 10 in the last couple years but this one is tempting. They offered me an intro 0 interest charge on balance transfers for the first 9 months but I am really trying to let my accounts age and not open anything plus I have a paid collection on my report that's less that 2 years old I am afraid that's gonna effect my starting limit I am wondering if I apply what's my limit gonna look like anyone has any ideas any help appreciated
It would really be very difficult to predict what type of SL would be approved based on just general data you've provided. Citi Double Cash limits can be on the high end with the right profile, but they can also start as low as $1K.
Perhaps if you list your current FICO scores, AAoA, utilization, how many active tradelines you have, any other past derogs (if any), how many accounts opened in the past 6/12/24 months, inquiries; then it's possible others can share their DPs to kind of help you gauge things a bit.
Current FICO scores are 630 across the board AaoA is 1 year and 9 months 15 total inquiries in the last 2 years with about half of them due to fall off this year my last collection is less than 2 years old around 20k credit limit across all cards I really want a limit I can work with I am afraid of applying and getting that dreaded 1k starting limit that will take time to grow
Ok, thanks for providing some of the extra details.
My suggestion is to hold off for the time being. The scores might be a bit on the low side plus there's the AAoA, inquiries and the paid CO. I don't think that getting approved might be the issue, it's the SL that gives me pause (if approved). On the plus side, Citi tends to send these pre-selected invites all the time, so this likely won't be the last one. Plus, for every pre-selected invite, pay close attention to the after-promo APR, this can usually fluctuate depending on when they are SP'ing your CRs.
I'll let others chime in their thoughts, but this was just my opinion given what you've shared so far.
I have to agree with @FinStar on this one. Your profile is still relatively young and you have quite a few inquiries in the bag. From my reading on this forum over the years, Citi can be pretty fickle with recent inquiries. When I got my Citi DC (the 2nd card I ever app'ed for) it had been around 18 months since my first and only inquiry and my scores were all in the 760 range. (My research at that time found that the Citi DC optimally liked scores of 740+) And they still only started me with a $2500 SL, which took me 3 years to get my first CLI up to my current $6,500. And now that card is sock-drawered since I have better options. They are kinda tough in my experience.
I would lay low for a bit, let some inquiries fall off, let your scores and AAoA build up.....and if it's the 2% catch-all that you're interested in, Citi DC would be there, FNBO Evergreen is available, PPMC if you're not afraid of Synchrony, and many others.