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Citi DC approved! Weird with low scores, lots of inquiries and baddies.

JJC37
Regular Contributor

Citi DC approved! Weird with low scores, lots of inquiries and baddies.

Against my  better judgment, I applied for the DC based on prequal. I was pretty sure I would end up with a no or a super low CL. My APR is super high, but I  was qualified for  $1500 and I PIF with with the exception of my Disco card at about 15% utilization. This will complete my trio of cards for now - Discover IT ($2400), Capital one Journey ($2700), now citi DC ($1500). I will be getting a car loan with a good rate from my credit union in a couple of months - I have already had that conversation with them when I went in to talk to them.

 

After that, I have to head to the garden for a few months. Or years. 

 

ETA: I have a motherload of inquiries. My lowest is TU with 6. Highest is equifax (ithink) with 10. The scores in my sig are current. And I have some major late pays (90+ days) as recently as 2015. Weird. Felt weird when I gott approved with Discover with even lower scores a month or so ago...

 

I don't know why they want to give me cards!

Starting EQ 553 TU 541 Jan2017
Current EQ 679 TU 680 EX 687
Goal: 680 ATB
Message 1 of 9
8 REPLIES 8
Aduke1122
Senior Contributor

Re: Citi DC approved! Weird with low scores, lots of inquiries and baddies.

Hey congrats on the approval, but I hardly think 6 to 10 inquiries is the motherload compared to some of us on here 😂
Message 2 of 9
donny10
Senior Contributor

Re: Citi DC approved! Weird with low scores, lots of inquiries and baddies.


@JJC37 wrote:

Against my  better judgment, I applied for the DC based on prequal. I was pretty sure I would end up with a no or a super low CL. My APR is super high, but I  was qualified for  $1500 and I PIF with with the exception of my Disco card at about 15% utilization. This will complete my trio of cards for now - Discover IT ($2400), Capital one Journey ($2700), now citi DC ($1500). I will be getting a car loan with a good rate from my credit union in a couple of months - I have already had that conversation with them when I went in to talk to them.

 

After that, I have to head to the garden for a few months. Or years. 

 

ETA: I have a motherload of inquiries. My lowest is TU with 6. Highest is equifax (ithink) with 10. The scores in my sig are current. And I have some major late pays (90+ days) as recently as 2015. Weird. Felt weird when I gott approved with Discover with even lower scores a month or so ago...

 

I don't know why they want to give me cards!


Your inquiries are far from the mother load. You have to work harder and pile alot more than your baby number of inquiries to have the mother load bragging rights.

 

Don't worry about inquiries, it's part of the growing pains. It's just a small pimple on some of our butts. 

Message 3 of 9
Aduke1122
Senior Contributor

Re: Citi DC approved! Weird with low scores, lots of inquiries and baddies.

I agree Donny 😂
Message 4 of 9
kaykay65
Valued Contributor

Re: Citi DC approved! Weird with low scores, lots of inquiries and baddies.


@Aduke1122 wrote:
Hey congrats on the approval, but I hardly think 6 to 10 inquiries is the motherload compared to some of us on here 😂

Ain't that the truth! Smiley Tongue


Gardening till December 2019
AMEX BCP| AMEX ED| BBVA NBA AMEX| Venture| QS| BoA Cash Rewards| Barclays Rewards MC
Message 5 of 9
Harley14
Valued Contributor

Re: Citi DC approved! Weird with low scores, lots of inquiries and baddies.

Congrats!
I'll trade you INQ's 😂

EQ688
TU700
EX707

Message 6 of 9
AverageJoesCredit
Community Leader
Mega Contributor

Re: Citi DC approved! Weird with low scores, lots of inquiries and baddies.

Congrats Op.

LOL, never bring a pea shooter( 6-10 inquiries) to a sword fight (20 + each bureau for many) here in Ficoland hahaSmiley Wink
NN7! Fico math 1 HP = 20 CG LIEr Club Plankowner
Message 7 of 9
JJC37
Regular Contributor

Re: Citi DC approved! Weird with low scores, lots of inquiries and baddies.

Don't worry, I'll get there soon enough! Smiley Wink

 

I must, however, stop apping until after my car loan. 

 

 

Starting EQ 553 TU 541 Jan2017
Current EQ 679 TU 680 EX 687
Goal: 680 ATB
Message 8 of 9
NotAPro
Valued Member

Re: Citi DC approved! Weird with low scores, lots of inquiries and baddies.

The mother load of INQs lol... it's funny how that's the thing that most of us found hilarious... less than 20 per CRA and you don't get invited to this party of myfico nuts haha.

Congrats on the card! I may add it to my wallet further down the road.
In the Garden since 6/26/17 - Have everything I need at this point, not looking to apply for any more credit anytime soon.

Message 9 of 9
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