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Citi Rewards + EDIT APPROVED

pinkandgrey
Community Leader
Senior Contributor

Citi Rewards + EDIT APPROVED

Alright, y'all. I know, I know, I know. Been in the Garden for almost 13 MONTHS. *sigh* I hate to jump the fence, but I'm looking at possible BT options. The Amex ED is already on my radar, but I may need to consider a second card. The Citi Rewards + is the only card that I actually want and would continue to use after the BT. Plus it offers a decent BT timeframe (I'm aware of the 5% fee.). I really don't want any BT cards that I won't want (and would inevitably close) after the fact. 

 

Any DPs you can share for your approvals for this card? My scores (not CK lol) are all in the mid 700s, no inqs in the last 13 months obviously, but a total of four or five in the last two years. AAoA is two years. 

 

Give me your insight! 

Discover It: 19.7k
Amex ED: 18k
Citi DC: 7.7k
Fidelity Visa: 2k
Apple Card: 1.5k
Message 1 of 39
38 REPLIES 38
M_Smart007
Epic Contributor

Re: Citi Rewards +

 

my-fingers-are-crossed-smiley-emoticon.gif

 

Message 2 of 39
quantum001
Regular Contributor

Re: Citi Rewards +

I think your chances are very good.

 

Got mine December.

Mid to high 700s FICO.

AAoA 3.2 years, oldest account- 18 years.

under 10% UTI

2- 6 inquiries, 2/12 and 11/24 new accounts.

Had a Citi DC for ~15 months prior that was PIF.

Sign-up bonus posted in a reasonable timeframe. No complaints so far.

Message 3 of 39
M_Smart007
Epic Contributor

Re: Citi Rewards +


@quantum001 wrote:
Got it in December.

Mid to high 700s FICO.

AAoA 3.2 years, oldest account- 18 years.

under 10% UTI

2- 6 inquiries, 2/12 and 11/24 new accounts.

Had a Citi DC for ~15 months prior that was PIF.

Sign-up bonus posted in a reasonable timeframe. No complaints so far.

@quantum001    What did theyt give you for a credit limit?

 

ETA: I think @pinkandgrey is looking for this as a DP also ..

Message 4 of 39
AverageJoesCredit
Mega Contributor

Re: Citi Rewards +


@M_Smart007 wrote:

@quantum001 wrote:
Got it in December.

Mid to high 700s FICO.

AAoA 3.2 years, oldest account- 18 years.

under 10% UTI

2- 6 inquiries, 2/12 and 11/24 new accounts.

Had a Citi DC for ~15 months prior that was PIF.

Sign-up bonus posted in a reasonable timeframe. No complaints so far.

@quantum001    What did theyt give you for a credit limit?

 

ETA: I think @pinkandgrey is looking for this as a DP also ..


Ive been denied for it and have a pc option for it . 

 

Im rooting for ya @pinkandgrey  Smiley Happy

Message 5 of 39
quantum001
Regular Contributor

Re: Citi Rewards +


@M_Smart007 wrote:


@quantum001    What did theyt give you for a credit limit?

 


$10k.  Have gotten a CLI already for $3k more. 

 

Prior card was a DC that started at $2500 and is at $8000 now. 

Message 6 of 39
M_Smart007
Epic Contributor

Re: Citi Rewards +

@quantum001  Thank YouSmiley Happy

Message 7 of 39
Gmood1
Community Leader
Super Contributor

Re: Citi Rewards +

Scores on EX average 780 FICO 8.

SL $9500

Already had Citi DC at $22,000 and Citi Dividend at $13000.

Plenty of inqs and new accounts.

Message 8 of 39
Saeren
Mega Contributor

Re: Citi Rewards +

You'll be good to go. Citi gave me mine in September when I was 5/6, 12/12, and 17/24. Limit was only $1900 but I also have a BK that was 9 years old. With your existing relationship, an approval is all but guaranteed imo. 





Message 9 of 39
pinkandgrey
Community Leader
Senior Contributor

Re: Citi Rewards +

Thanks for the responses so far, everybody! I feel like I should wait until I pay off the balance from my last statement cut first lol. I don't know if that actually helps but I don't want Citi getting nervous if I have any kind of balance on the DC. I always PIF the DC so I'll be paying it in a few days. 

@Saeren and @Gmood1 , were you both cold apps or prequaled? I've heard that Citi prequals on the site are like unicorns. 

Discover It: 19.7k
Amex ED: 18k
Citi DC: 7.7k
Fidelity Visa: 2k
Apple Card: 1.5k
Message 10 of 39
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