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Citi Premier, Macy's AMEX,

Your FICO® Scores can impact your loan interest rates, terms, approvals and more.
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Established Contributor

Citi Premier, Macy's AMEX,

A productive couple of days. 

 

Macy's AMEX, $1K SL, instant approval.    This was a card I've wanted for a while but I kept pushing it off.  I had choice of store care or AMEX so chose the AMEX.

Citi Premier, $11K SL, 16.74% APR, instant approval, SUB of 50K TYP/$4K w/1st year AF waived.   I was waiting for the Rewards+ to be released but as it turns out that, like the Sears MC, it doesn't support transfer of TYP to partner airlines, and the re-released Prestige would be overkill. 

Also AMEX BGR with the $0 1st year AF specified in my T&C.   Will see if they honor that. 

 

Citi always liked me, but has never really loved me.  They still don't love me, but it feels like they're starting to like me a bit more. 

 

Relevant DP:

The Premier was from a cold app, no preapproval. 

CitiGroup pulled their own HP and did not reuse the one pulled by the Citi Retail group, even though both apps were on the same day.

These made HP #33 and #34 over the last 24 months from EX.      I'd argue that Citi is not necessarily inquiry-adverse. 

 

This puts me at 51/24, with 1 application (HSBC) pending their review of my POI.   I think I'm done for a while unless someone comes out with an absolute killer card. 

 

(2/2019)
FICO 8 (EX) 797 (TU) 817 (EQ) 791
FICO 9 (EX) 821 (TU) 829 (EQ) 825

$700K+ club
Message 1 of 15
14 REPLIES 14
Valued Contributor

Re: Citi Premier, Macy's AMEX,

That's a great SL on the Premier, congrats on both pick ups!!!  



Message 2 of 15
Senior Contributor

Re: Citi Premier, Macy's AMEX,

Congrats on both approvals , macys will grow rapidly !!!!

 

 

 

3-2019 / Fico 8 EX 802 , EQ 803 , TR 805
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 3 of 15
Established Contributor

Re: Citi Premier, Macy's AMEX,

Congrats on the approval! Awesome SL!
Message 4 of 15
Moderator

Re: Citi Premier, Macy's AMEX,

Congrats.. Citi doesn't care about inquires it all depends on the overall profile some people they will list it is as just an excuse when there is really another reason they were denied.  as I have got approved with TONS of inquiries and accounts.

 

 

Chase | Citibank | Amex | BofA | PenFed | NFCU | Discover | Fifth Third Bank | BB&T | Synovus | Commerce
Message 5 of 15
Frequent Contributor

Re: Citi Premier, Macy's AMEX,

Congratulations on your approval!!

March 2019 Current Scores: Experian-638(-2)
TransUnion-625(-1)
Equifax-666(+11)
Goal for 2019: Scores of 675 all across the board.
Gardening until End of 2019

Cap One (PCed to Quicksilver 7/20/18) $500
C1 Quicksilver One $1.6K
DiscoverIt Chrome $1.5K
Walmart Store Card $500

Cards I Want: Amazon Store Card, Paypal 2%, CareCredit, Capital One Savor

Total Utilization: 20%
Baddies: 2 (One falls off in Nov 2019)




Message 6 of 15
Established Member

Re: Citi Premier, Macy's AMEX,

Did you apply for the Macy’s in store?
Message 7 of 15
Community Leader
Super Contributor

Re: Citi Premier, Macy's AMEX,

Congrats ColdSmiley Happy CC, you may be right. I feel like Citi doesnt like me but truth be told its most likely my low income that stunts my growth. Cant say they hate me as i do get approvals from them lol
Message 8 of 15
Moderator

Re: Citi Premier, Macy's AMEX,


@AverageJoesCredit wrote:
Congrats ColdSmiley Happy CC, you may be right. I feel like Citi doesnt like me but truth be told its most likely my low income that stunts my growth. Cant say they hate me as i do get approvals from them lol

shrug never been denied a card by them and have had 6 cards with them or so and always around 30ish new accounts in any given 2 year period of time.

Chase | Citibank | Amex | BofA | PenFed | NFCU | Discover | Fifth Third Bank | BB&T | Synovus | Commerce
Message 9 of 15
Senior Contributor

Re: Citi Premier, Macy's AMEX,

Congrats Coldfusion! And I thought I was busy over the last 24 months!Smiley Very Happy

I was tempted to app for a personal Citi card last week, but figured they'd HP me again or reject the app because of the recent Business CC. lol

I'll save it for another time I suppose. They've never denied me either on the last 4 CC's. Like clockwork, I always have to call in and talk to a UW before I'm approved. 

Message 10 of 15