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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
Super 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
New Contributor

Re: Citi Premier approval

Congrats on the new card! 

Message 5 of 12
SFLSpotter9210
Established Contributor

Re: Citi Premier approval

Congratulation’s on your approval and awesome SL.
NFCU Flagship 32,500 Penfed PowerCash 8,750 PenFed PL 20,000 NFCU AMEX Rewards 37,500 NFCU GoRewards 7,000
Capital One Quicksilver 6,300
Lowe’s 34,500
Wells Fargo Propel 10,000
Barclay Apple1k
Citi Rewards+ 12,100
Citi Double Cash 14,800
Citi Simplicity 7,000
PNC Core VISA 17,500
Home Depot 1,000
USAA AMEX 10,000
Discover 17,000
BB&T Rewards 4,500 BB&T Bright Card 4,500 GS Apple 5,500 Chevron 1650 Fico 8 Scores EQ=761,EX=760,TU=766 scores and CL current as of 04/23/21 AAoA=2years10minths AoOA=17yrs
Message 6 of 12
Drwaz99
Established Contributor

Re: Citi Premier approval

Congrats!

US Bank Altitude Reserve 18.1k
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 14k
Barclays Aviator Business 5k
Citi AAdvantage Executive Card 14.1K
Citibusiness AAdvantage 11.9k
Citi Double Cash 15k

Fico 8s as of 09/01/2021:




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
Epic 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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