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.
