What would my CL be? Citi simplicity

[Anonymous]

Hi!

I needed a balance transfer card. I needed to transfer about 3k. My credit lines currently are 1.3k, 2.9k, NPSL, 2.9k, 2.2k, and 18k. The 18k card was my last credit card application back in January this year. I was looking at Citi simplicity since I already have a card with them for almost a year. I was approved for 2.9k, but my income was only 35k at the time. Now it is 65k. Only debt reporting is about 1k. I just had to take an emergency trip and it will drop my scores down a lot. Current scores are 727, 755, and 737. These are Bankcard scores from the site since Citi uses those.

Would I be approved? What would my credit line be? 

[Anonymous]

It's hard to say if you would be a pproved or what your limit would be. Only the card issuer would be able to tell you that. Capital One seems to be generous with credit limits lately, but they pull all 3 bureaus.

[taxi818]

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@Anonymous wrote:

It's hard to say if you would be a pproved or what your limit would be. Only the card issuer would be able to tell you that. Capital One seems to be generous with credit limits lately, but they pull all 3 bureaus.

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+1. Well lately from threads looks like citi is tight. Just got approved for double cash and I onky hit 2k. Was thinking of bt as well. Another hp if you want a cli. And it's not guaranteed to be approved. So don't rely on putting entirely in simplicity. In case limit is small. I have 2 cards over 10k 6 cards at least 5k. And I onky got 2k from them 

[Anonymous]

Wow crazy! Would Chase be a better shot? I want to get approved, and have a good limit. Or at least approved not to waste a HP :/

[taxi818]

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@Anonymous wrote:

Wow crazy! Would Chase be a better shot? I want to get approved, and have a good limit. Or at least approved not to waste a HP :/

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They aren't much better. It just all depends. You can roll the dice. I actually put my bt on discover. And they initially gave me 14 months. Now they gave me another 12 months for new bts. 

[Anonymous]

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@Anonymous wrote:

Hi!

I needed a balance transfer card. I needed to transfer about 3k. My credit lines currently are 1.3k, 2.9k, NPSL, 2.9k, 2.2k, and 18k. The 18k card was my last credit card application back in January this year. I was looking at Citi simplicity since I already have a card with them for almost a year. I was approved for 2.9k, but my income was only 35k at the time. Now it is 65k. Only debt reporting is about 1k. I just had to take an emergency trip and it will drop my scores down a lot. Current scores are 727, 755, and 737. These are Bankcard scores from the site since Citi uses those.

Would I be approved? What would my credit line be? 

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Welcome to the community. We need more detailed info to give you some guidance.

What credit cards do you have now, what are their limits and balances, and how long have they been open? Do you have any negatives on your bureaus,  and if so, what are they, how old are they, and which bureaus are reporting them?

Are those scores current Fico 8 bankcard scores?

[Anonymous]

Hi!

A student loan in deferment since August 2013

I have Bank of America cash rewards limit 2.9k -balance 0. Been open for a year

Old navy card limit 2.2k- balance 0- opened July 2014

Discover card limit 1.3k -balance 0- opened Aug 2014

Citi Thank you Preferred limit 2.9k - balance $480 opened Septemeber 2014

Amex Green card NPSL (spending ability at 22k) balance 0 opened Novemeber 14

Amex Blue cash limit 18k- balance $333, opened January 2015 (back dated to 2014)

These are current FICO 8 bank card scores pulled a week ago

No baddies. Nothing except those two balances reporting currently

[BarryNTexas]

Curious, have you tried the Citi Pre-qual sit?  May be a starting point to even see if Simplicity is already an option.  Good luck!

https://www.citicards.com/cards/credit/application/flow.action?isInvitation=

[Anonymous]

Thanks for the link! Just checked, no pre qual I've seem to never be able to be pre qualified

[Anonymous]

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@Anonymous wrote:
Hi!

A student loan in deferment since August 2013

I have Bank of America cash rewards limit 2.9k -balance 0. Been open for a year

Old navy card limit 2.2k- balance 0- opened July 2014

Discover card limit 1.3k -balance 0- opened Aug 2014

Citi Thank you Preferred limit 2.9k - balance $480 opened Septemeber 2014

Amex Green card NPSL (spending ability at 22k) balance 0 opened Novemeber 14
.
Amex Blue cash limit 18k- balance $333, opened January 2015 (back dated to 2014)

These are current FICO 8 bank card scores pulled a week ago

No baddies. Nothing except those two balances reporting currently

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Your credit looks good. Your accounts are 9 months to a year old. What do you want to balance transfer?

I would check the Capital One prequal section to see if you can get a Venture and Quicksilver back to back. 

BBVA Compass NBA Am Ex is good. These cards I mentioned have 6 months no interest.

You already are in with Am Ex so I would wait on that.

Have you tried for a cli with BofA (will be a hp)?

Chase Freedom is a possibility. 

With your scores the cards I mentioned may be worth taking a chance on.