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So, I had a very unsuccessful mini-spree today. I apped for 3 cards and was declined for all 3. Why did I keep trying? I don't know-judge me if you want LOL. Anyway, even after 3 HPs and plenty of discouragement, I checked Citi's prequal just for fun. It showed a prequal for the DC with a 15.24 APR. I thought what the heck and applied, assuming another denial. To my surprise I was approved with a $3,700 limit! I also got to keep the APR of 15.24. Now I just hope the DC grows well....
Stats--scores between 720 and 740, inqs 2-4 on EQ and TU but 8 (yes, 8. Go ahead and judge me) on EX. Income 32k, AAoA a little over a year.
The stars must have just aligned given my previous misfortunes.
Congrats on your DC approval! Persistent paying off and not going down without a fight!
Congrats on the approval! I have nothing but good history with my Citi AAdvantage, it will treat you well!
congrats!!!
@Anonymous wrote:
Congrats on the Citi DC! That’s a really solid 2% Card, and I use mine regularly. Citi is quite a conservative lender, so a really nice SL as well! Your inquiries don’t seem terrible, not great, but I’ve had much worse myself! You may want to garden a while and let the HPs cool and heal. If you don’t mind sharing, what we’re the denials?
Thanks! The US Bank Cash+, BofA Cash Rewards, and Wells Fargo Cash Wise were all declined LOL The DC has actually been my goal card for a long time. I just didn't have the guts to try for it.
@MrDFinance wrote:
Congrats...... I had the opposite type of luck with them..... Approved for 5 cards in one week but denied by Citi....my only denial.... Maybeeee I shouldnt of applied for them last lol
I applied for them last LOL. It just goes to show you how strange and unpredictable credit can be...
Congrats on the approval!