CITI Approval 0%, 21 months

Lucifer · ‎05-31-2022

Well, looks like I have to change my signature and start over. Grabbed a Citi card(a little Diamond Preferred action) for the 0%, 21 months offer. 15k limit. Not bad. First Citi card in a long time - they shut me down years ago even though I had been paying. It was 08 and I guess they thought my profile was too risky given all that was craching back then.

Happy Gardening Everyone!

Remember to stay liquid !

Stay Liquid My Friends...

Starting Score: F8 3xx
Current Score: F8 800+
Goal Score: F8 800

Take the myFICO Fitness Challenge

CreditMagic7 · ‎05-31-2022

Congratulations on your new Citi Card Approval w/0% 21 month term.

SUPERSQUID · ‎05-31-2022

CONGRATS!!!!!

{ BK7 DC 12/2019 } target 1600/ kohls Visa 7000/ discover IT cb 6500 / 2nd discover IT cb 6000/mercury 4100 / firestone 2800 /legacy 3000 /first savings bank cc 3000/ cap1 QS 5000/ cap 1 savor one 3100 /Bread rewards Amex 4k, Penfed PCR signature visa 10k/ penfed gold 7.5k NFCU >signature visa cash rewards 21700/bread cashback amex 8000

>/ nfcu platinum 15k, BABY NEEDS NEW SHOES !!!!!
closed-- reflex, applied bank, first digital, mission lane, ikea, fingerhut, big lots, valero gasoline, ollo, more to come
Rebuilding since September 2020
who i burned - chase, cap 1, TD bank, Sync, were the biggies
Income 40k
Total utilization around 20 pct depending on my current usage/needs
Ficos in the 680 - 690 range, the 9's slightly higher than the 8's
My vantage scores 708 - 711
TCL - about 110k
Retired since 2017

gdale6 · ‎05-31-2022

Grats on your new Citibank card

CreditAggie · ‎05-31-2022

Congratulations on your Citi approval!

Current Cards (in order of approval):

Current FICO 8 | 9 (April 2024):

Credit Age:

Inquiries (6/12/24):

Banks & CUs:

AverageJoesCredit · ‎05-31-2022

@Lucifer wrote:
Well, looks like I have to change my signature and start over. Grabbed a Citi card for the 0%, 21 months offer. 15k limit. Not bad. First Citi card in a long time - they shut me down years ago even though I had been paying. It was 08 and I guess they thought my profile was too risky given all that was craching back then.

Happy Gardening Everyone!

Remember to stay liquid !

Grats 😈

What card is this? That's a huge sl for Citi so I'm guessing they like you now

Danmae777 · ‎05-31-2022

Congratulations on your new approval

starting fico 8 score 04/2021-EX-618
current fico 8 score 04/2022 -EX 657

kilroy8 · ‎05-31-2022

Simplicity or Diamond Preferred?

Anyway, congrats on free money for 21 months.

MartyWrite75 · ‎05-31-2022

Congratulations on your approval!

April 2024: Experian 772; Equifax 779; Transunion 781

Cards I Have:
Cap One QS: $600 (Sock drawer) || Cap One QS (#2): $6,200 (Sock drawer) || Discover It: $11,400 || Cap One Walmart: $600 (Sock drawer) || AMEX BCP: $8,900 || Amazon Prime Store Card: $10,000 || FNBO Rewards Visa: $2,600 || Discover Cash Back: $5,500 || Citi Custom Cash: $9,500 || Verizon VS Visa: $10,000 || Amex Hilton Honors: $10,000 || Amazon (Chase) Prime Rewards (VS): $9,500

Wishlist Cards:
Paypal Mastercard || Bread Mastercard

Gardening to 10/2024(ideally)
Total Utilization: 11%
Inquiries: Exp: (1) Trans: (0) Equif: (0)

firefox100 · ‎05-31-2022

Congratulations enjoy it.