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Citi Premier approval

BH1985
Regular Contributor

Citi Premier approval

Applied today and was approved for $6,200 with 21.74% APR.

 

Citi pulled Experian and used the Bankcard 8 score I believe, which showed 771. I'm at 1% utilzation with AAoA of 2y 9m and AoOA of 7y 5m.

 

Reported income: $60K.

 

FICO 8 scores:

EX 762, 10 inquiries, clean file (50% util on one card just reduced to 9%, new mortgage reporting)

EQ 721, 6 inquiries, 1 3yr old 30 day late (reporting 50% util on one card, new mortgage reporting)

TU 724, 8 inquiries, 1 3yr old 30 day late (reporting 50% util on one card, new mortgage reporting)

 

Other open credit cards and balances reporting on Experian:

Amex BCE: $0/$16,600, opened April 2018.

Amex ED: $0/$10,000, opened April 2018.

Amex Gold: $90/NPSL, opened September 2018.

Barclays Uber: $0/$6,500, opened May 2018.

Citi Double Cash: $145/$6,500 (2.2%), opened March 2019.

Capital One Quicksilver: $0/$3,100, opened December 2017.

Discover It: $400/$4,500 (8.9%), opened December 2017.

 

Open installment loans and balances reporting on Experian:

Car loan: $13K/$18K, opened March 2018 (refinance).

Mortgage: $109K, opened July 2019.

Studen Loan 1: $531/$1,879, opened May 2012.

Student Loan 2: $740/$2,515, opened September 2012.

 

Hope this will help someone else!

 

I'm super excited about this card. I'll be buying tickets to Europe for next summer and I figured the SUB on this one is easy enough to hit if I move some of my monthly bills from their current cards to this card for 3 months. I'll be using the 60,000 points for Christmas/New Year's airfare next year before the next annual fee hits.

 

Message 1 of 12
11 REPLIES 11
simplynoir
Community Leader
Mega Contributor

Re: Citi Premier approval

Congrats on your new card

Message 2 of 12
PutThatMoneyOnTheTable
Established Contributor

Re: Citi Premier approval

Congrats on your approvalcongratulations_letter-173559932-5c432fc646e0fb0001eeb190.jpg

Amex BCP $35k
Chase FU $11.2k
BOA Cash Rewards $35k
Comenity BJs Perks Plus M/C $14k
Cap1 QS $850
(AU), 2020 TU 801, EX 795, EQ 792
INQ ...TU-0, EX-2 EQ-3
Message 3 of 12
AnimalHouse121
Valued Contributor

Re: Citi Premier approval

Congrats on your approval and thanks for the DPs!!
Message 4 of 12
CreditGame12
Contributor

Re: Citi Premier approval

Congrats on the new card! 

Message 5 of 12
SFLSpotter9210
Valued Contributor

Re: Citi Premier approval

Congratulation’s on your approval and awesome SL.
NFCU Flagship 32,500 | Penfed PowerCash 8,750 | PENFED GOLD 12,500 | PenFed PL 20,000 | NFCU AMEX Rewards 37,500 | NFCU GoRewards 7,000 | FNBO VISA SIGNATURE 9,400 | Capital One Quicksilver 6,300 | Lowe’s 34,500 | Wells Fargo Propel 19,700 | Barclay Apple1k | Citi Rewards+ 12,100 | Citi Double Cash 14,800 | Citi Simplicity 7,000 | PNC Core VISA 22,500 | USAA AMEX 10,000 | Discover 17,000 | BB&T Rewards 4,500 | BB&T Bright Card 4,500 | GS Apple 6,000 | Chevron 2,500 | Fico 8 Scores EQ=757 | EX=760 | TU=771scores and CL current as of 08/22/22 AAoA years 6 months | AoOA=18yrs
Message 6 of 12
Drwaz99
Established Contributor

Re: Citi Premier approval

Congrats!

US Bank Altitude Go 18.1k | Chase Ink Unlimited 10K | Chase Freedom Unlimited 18.5k | Chase Freedom 11.7k | American Express Gold NPSL | American Express Bonvoy Brilliant 22.5k | American Express Bonvoy Business 20k | American Express Amazon Business Prime 10k | American Express Blue Business Plus 20k | Citi AAdvantage Executive Card 14.1K | Citibusiness AAdvantage 11.9k | Citi Double Cash 15k | Barclays Aviator Red 24.3K

Fico 8s as of 05/01/2022:
Message 7 of 12
James_A
Senior Contributor

Re: Citi Premier approval

Congratulations, BH! 

Thanks for the great DPs. 

Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677
Current Score (3/12/2021): FICO 08 EXP: 748; TU: 755; EQ: 773
2020 Goal Score: 760 across the board


Take the myFICO Fitness Challenge
Message 8 of 12
M_Smart007
Legendary Contributor

Re: Citi Premier approval

 

Congrats!!

 

Message 9 of 12
BH1985
Regular Contributor

Re: Citi Premier approval

Thanks for the kind words everyone.

I just received my card today and booked my trip to Greece.
Message 10 of 12
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