For 7k....
I was really scared. Literally, my heart was pounding, I hate wasting a HP. 
After the Chase Ritz denial, I've been on edge about applying for any new credit.
I really wanted to app for another card before I went back into the garden. Since I'm going to be doing a lot of traveling this spring and summer (graduation present to myself), I decided upon the Citi Prestige for the admirals club access, complimentary night at any hotel, and annual airline credit. Citi has been good to me. 
@John86 wrote:For 7k....
I was really scared. Literally, my heart was pounding, I hate wasting a HP.
I really wanted to app for another card before I went back into the garden. Since I'm going to be doing a lot of traveling this spring and summer (graduation present to myself), I decided upon the Citi Prestige for the admirals club access, complimentary night at any hotel, and annual airline credit. Citi has been good to me.
Grats on your new Citi Prestige card, enjoy 
@John86 wrote:For 7k....
I was really scared. Literally, my heart was pounding, I hate wasting a HP.
I really wanted to app for another card before I went back into the garden. Since I'm going to be doing a lot of traveling this spring and summer (graduation present to myself), I decided upon the Citi Prestige for the admirals club access, complimentary night at any hotel, and annual airline credit. Citi has been good to me.
Congrats... This is going to be my next card. If you don't mind me asking, what was your score and what CRA did they used. I am sick OF everyone using experian. Thanks.
Congrats! Thanks for sharing.
Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k@gdale6 Thanks
@ArmyVietVet Thanks Basically, I jumped the gun. I saw the 140k point offer and was afraid it would disappear in the new year, coupled with the fact that I wanted to get in on that airfare reinbursement like everyone else. I had some balances on my reports, but nothing astronomical in IMO, I don't think I was using over 20% of my overall credit.
I'm on a payment plan with my grad school and I get reimbursed from my job, I put most of these balances on some credit cards and I pay them off when I get reimbursed. I had just started paying them when I applied and I got the "needs further review". I recon'd 4 times to no avail. 3 out of 4 had a problem that I had balances, 1 had a problem that I had received a large amount of credit from NFCU in May. But I do appreciate all the encouragement I received to actually call in, it was informative.
@Yes, Your scores are better than mine, my TU is above 700 and my Ex and EQ are almost borderline right now, I think they pull EQ (The HP hasn't posted yet)...and that's my lowest score I think its around 686. I don't have a lot of INQs...I think maybe 2 on EQ.
@John86 wrote:For 7k....
I was really scared. Literally, my heart was pounding, I hate wasting a HP.
I really wanted to app for another card before I went back into the garden. Since I'm going to be doing a lot of traveling this spring and summer (graduation present to myself), I decided upon the Citi Prestige for the admirals club access, complimentary night at any hotel, and annual airline credit. Citi has been good to me.
Nice, congrats on your approval