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CITI Simplicity Approval

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CITI Simplicity Approval

Hey guys, applied for a CITI Simplicity card last night and was approved for a CL of $5,100. I was hoping to get at least $7,500 to do a balance transfer. The card currently has a 0% APR for 21 months with a 3% BT fee. Right now, I have 2 other cards, non-major. One is 100% util 7500 CL, and one is 10k/13k CL.

 

My question is: do I have any chance of asking for a recon up to 7500? What are others CITI experiences with calling for a recon?

 

Thanks in advance for your advice!

Message 1 of 8
7 REPLIES 7
Valued Contributor

Re: CITI Simplicity Approval


@azuercher wrote:

Hey guys, applied for a CITI Simplicity card last night and was approved for a CL of $5,100. I was hoping to get at least $7,500 to do a balance transfer. The card currently has a 0% APR for 21 months with a 3% BT fee. Right now, I have 2 other cards, non-major. One is 100% util 7500 CL, and one is 10k/13k CL.

 

My question is: do I have any chance of asking for a recon up to 7500? What are others CITI experiences with calling for a recon?

 

Thanks in advance for your advice!


What does your profiel look like? Scores? util? negative items? Also, it may cost you another hard pull.

763 INQs: 12773 INQs: 6763 INQs: 8UTIL: 2%AAoA: 3yr 6mosTotal Credit Line: $851,250
Message 2 of 8
Established Contributor

Re: CITI Simplicity Approval

Even with second new pull, i dont think they could increase now. You may have to wait or go for chase slate? btw, grats op.

7/12/2019 FICO TU-815|EX - 787|EQ -809
Total Credit - $300K+
Starting Score: 640
Current Score: 785
Goal Score: 810


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Message 3 of 8
Established Contributor

Re: CITI Simplicity Approval

I doubt it. If you are apping with a maxed out and a nearly maxed out card, you are lucky you got approved at all! Transfer what you can and pay off the rest.
Message 4 of 8
Established Contributor

Re: CITI Simplicity Approval

Congratulations on your new SL. Enjoy! Smiley Happy
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Message 5 of 8
Community Leader
Super Contributor

Re: CITI Simplicity Approval


@salt_water_swimming wrote:
I doubt it. If you are apping with a maxed out and a nearly maxed out card, you are lucky you got approved at all! Transfer what you can and pay off the rest.

I agree here.  YOu had a thread in CC not too long ago about your situation. Transfer what you can, and youll still have a maxxed out card, but at 0% for most of the balance at least. Was a personal loan not an option for you? Congrats on the approval!


My rebuild worked for me, but won't necessarily work for you!
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Message 6 of 8
Super Contributor

Re: CITI Simplicity Approval

ditto




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Message 7 of 8
Senior Contributor

Re: CITI Simplicity Approval

Congrats on your approval!!!

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Message 8 of 8
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