Score needed for chase and Citi bank

[Anonymous]

My capital one cards are 1. Year and 2 month
Amex cards same 1 year and 3 months

[Anonymous]

Hi there
Thx for the info
How many inquiries did you have at the time on the 3 burea

[Anonymous]

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@Anonymous wrote:
My capital one cards are 1. Year and 2 month
Amex cards same 1 year and 3 months

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Ok, so you're right at 5 cards in the past 24 months, so Chase might let you slip by for the Freedom or Slate, but since nothing is showing up for you on their pre-qualifier, I'm hesitant to tell you to try.

As for Citi, have you tried their pre-qualifier?

[myjourney]

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@Anonymous wrote:

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@Anonymous wrote:
My capital one cards are 1. Year and 2 month
Amex cards same 1 year and 3 months

---

Ok, so you're right at 5 cards in the past 24 months, so Chase might let you slip by for the Freedom or Slate, but since nothing is showing up for you on their pre-qualifier, I'm hesitant to tell you to try.

As for Citi, have you tried their pre-qualifier?

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OP 1st post stated Inquiries Experian 16 and 7 last 12 months

So I'm wondering which info is correct or there's more INQ's from something else in play here

[Anonymous]

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@myjourney wrote:

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@Anonymous wrote:

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@Anonymous wrote:
My capital one cards are 1. Year and 2 month
Amex cards same 1 year and 3 months

---

Ok, so you're right at 5 cards in the past 24 months, so Chase might let you slip by for the Freedom or Slate, but since nothing is showing up for you on their pre-qualifier, I'm hesitant to tell you to try.

As for Citi, have you tried their pre-qualifier?

---

OP 1st post stated Inquiries Experian 16 and 7 last 12 months

So I'm wondering which info is correct or there's more INQ's from something else in play here

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Could be from applying and being denied, or auto loan, etc. Not all INQs equal cards, especially for those of us building or rebuilding 

[Anonymous]

Thx you for reply
Actually for Citi bank in authorized user in my wife credit cards with citi
One time last month I have mails from them for simplicity and diamond
But I'm hesitant also I'm banking with citi bank
What do you think ?
Thx

[Anonymous]

Hi
Some inquiry is car loan and 1 is rent and couple of them is credit card denied awhile ago when I had derogatory in my report but this derogatory got remove and my score went up so that why I was not informed how the credit works till my friend told me about this forums here

[Anonymous]

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@Anonymous wrote:
Thx you for reply
Actually for Citi bank in authorized user in my wife credit cards with citi
One time last month I have mails from them for simplicity and diamond
But I'm hesitant also I'm banking with citi bank
What do you think ?
Thx

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If you have mailers from Citi and they have a set APR on them, then I think you have a good chance. But make sure you use the info on the mailer to apply.

[myjourney]

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@Anonymous wrote:

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@myjourney wrote:

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@Anonymous wrote:

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@Anonymous wrote:
My capital one cards are 1. Year and 2 month
Amex cards same 1 year and 3 months

---

Ok, so you're right at 5 cards in the past 24 months, so Chase might let you slip by for the Freedom or Slate, but since nothing is showing up for you on their pre-qualifier, I'm hesitant to tell you to try.

As for Citi, have you tried their pre-qualifier?

---

OP 1st post stated Inquiries Experian 16 and 7 last 12 months

So I'm wondering which info is correct or there's more INQ's from something else in play here

---

Could be from applying and being denied, or auto loan, etc. Not all INQs equal cards, especially for those of us building or rebuilding 

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Totally agree 

My concern is that's a lot in 24 months and both Chase and Citi can be INQ sensitive for a thin file

OP just curious here how many HP's on EQ TU?

[Anonymous]

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@myjourney wrote:

Totally agree 

My concern is that's a lot in 24 months and both Chase and Citi can be INQ sensitive for a thin file

OP just curious here how many HP's on EQ TU?

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Very true, but he only has 7 on EX in the past 12 months, and I know Citi is sensitive to INQs in the past 6 months. Since they typically pull EX and/or EQ, we need to know how many INQs OP has on each bureau in the past 6 months.