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2/3 Approvals back in with Citi retail side

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Anonymous514
Established Contributor

2/3 Approvals back in with Citi retail side

iib Costco card and Best Buy card in 2019 in the bankruptcy. Today applied for bestbuy had to verify address and a texted code came back offering visa or store card for 2k. Chose Visa lol. Said I wonder about Macys because I always buy from Macys and could really use the Macys card for the extra points I'm missing out on. Approved for 800$ it's ok that'll grow I shop Macys a lot. Kinda worried about AA from the Macys and Best Buy though because that's two products in one day. Granted one used Equifax the other Experian. I also got denied for a BOA because I was on a roll they pulled Experian only. Gonna garden for like ever now



Message 1 of 16
15 REPLIES 15
babygirl1256
Senior Contributor

Re: 2/3 Approvals back in with Citi retail side

Congrats on your Citi approvals.

Starting FICO 8 Score in 06/2019: EQ-625, TU-649, EX-640
Current FICO 8 Score in 06/2021: EQ-796, TU-806, EX-812
Goal FICO 8 Score in 06/2022: EQ-825, TU-850, EX-850
Message 2 of 16
DesertWanderer
Frequent Contributor

Re: 2/3 Approvals back in with Citi retail side

Congrats on your approvals.  Is the inquiries on your sig accurate?



Message 3 of 16
CYBERSAM
Senior Contributor

Re: 2/3 Approvals back in with Citi retail side

Congrats on your Macy's Approval!🥂🤑👍







              
Message 4 of 16
Anonymous514
Established Contributor

Re: 2/3 Approvals back in with Citi retail side

No lol. Experian is 45 now. TransUnion is 41 Equifax is 41 



Message 5 of 16
CreditMagic7
Super Contributor

Re: 2/3 Approvals back in with Citi retail side

You should be fine. Another member @pip3man also got both Citi Retails recently with a BK/PR.

Even i just missed getting the Best Buy only because of a series of new one's applied for first.

Congratulations on the bounce back with Citi Retail card approvals!! WooHoo!

Message 6 of 16
Anonymous514
Established Contributor

Re: 2/3 Approvals back in with Citi retail side

@CreditMagic7 Do you think I should be ok as long as I garden now and don't act crazy with utilizations?



Message 7 of 16
CreditMagic7
Super Contributor

Re: 2/3 Approvals back in with Citi retail side


@Anonymous514 wrote:

@CreditMagic7 Do you think I should be ok as long as I garden now and don't act crazy with utilizations?


Absolutely. Let the dust settle awhile. Smiley Very Happy

Message 8 of 16
Anonymous514
Established Contributor

Re: 2/3 Approvals back in with Citi retail side

So it was actually that members post that inspired me when I saw how recent the bk was lol. 



Message 9 of 16
pip3man
Valued Contributor

Re: 2/3 Approvals back in with Citi retail side


@Anonymous514 wrote:

So it was actually that members post that inspired me when I saw how recent the bk was lol. 


I tried to respond to the other post u tagged me but it appears to have been locked. Congrats on your approval, you'll be just fine with the AA concerns. If Macy's was not IIB, u should request a CLI starting on day 31. However, if they were included u may need to wait at least 90 days before an initial increase will be approved otherwise you'll be getting declined and cited for "previous unsatisfactory history with us."

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