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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.
Congrats on your new card
Congrats on your approval
Congrats on the new card!
Congrats!
Congratulations, BH!
Thanks for the great DPs.
Congrats!!