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Citi Premier approval

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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
Community Leader
Super Contributor

Re: Citi Premier approval

Congrats on your new card

2020 is like a steak cooked well-done that needs to get out of my face. - @imapharmacygirl
Message 2 of 12
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Frequent Contributor

Re: Citi Premier approval

Congrats on your approvalcongratulations_letter-173559932-5c432fc646e0fb0001eeb190.jpg

Amex Blue Cash $28k
Chase FU $11.2k
BOA Cash Rewards $20k
Comenity BJ's Perks Plus M/C $10k
Cap1 QS $750 (AU), BOA Auto
March. 2020 TU 781, EX 775, EQ 776
INQ 1/6, 1/12, 2/24.......TU-0, EX-2 EQ-2
Message 3 of 12
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Valued Contributor

Re: Citi Premier approval

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

Re: Citi Premier approval

Congrats on the new card! 

Message 5 of 12
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Established Contributor

Re: Citi Premier approval

Congratulation’s on your approval and awesome SL.
NFCU Flagship 23,900 Penfed PowerCash 8,750 NFCU AMEX Rewards 33,500 NFCU GoRewards 3,000
Capital One Quicksilver 6,300
Lowe’s 30,000
Barclay Apple1k
Citi Rewards+ 9,100
Citi Double Cash 13,300
Citi Simplicity 4,100
PNC Core VISA 12,500
Home Depot 1,000
Discover 13,000
BB&T Rewards 4,500 BB&T Bright Card 4,500 GS Apple 5,500 Chevron 1650 Fico 8 Scores EQ=760EX=768TU=750 scores and CL current as of 05/16/20 AAoA=2years6minths AoOA=17yrs
Message 6 of 12
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Established Contributor

Re: Citi Premier approval

Congrats!

Chase Sapphire Reserve 18.5k
Chase Freedom 11.7k
American Express Bonvoy Brilliant 22.5k
American Express Bonvoy Business 10k
Barclays Aviator Red 4k
Citi Double Cash 13.5k
Amazon Store Card 10k

Fico 8s as of 11/1/2020:






Message 7 of 12
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Valued 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 (11/11/2020): FICO 08 EXP: 747; TU: 762; EQ: 782
2020 Goal Score: 760 across the board


Take the myFICO Fitness Challenge
Message 8 of 12
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Epic Contributor

Re: Citi Premier approval

 

Congrats!!

 

popcorn eating emoticon.gif

Message 9 of 12
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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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