I had been waiting to get a mailer for this card, they were sending me offers for simplicity card and another card but i held out and waited for a custom cash offer. Finally got it! I applied and was instantly approved! They pulled transunion (fico 8 is 791 and fico 9 is 815) and soft pulled experian (fico 8 is 714) for the pre-approval. I got $3,100 starting limit and 17.99% apr with 0% for 15 months. I love the 5% back in top spending category and obviously the sign up bonus. I honestly think this is the best card out there right now. This is my first citi card ever. I'm really excited about this one. One new account in the last year and 3 new accounts in the last 2 years. My Utilization at the time of app was 8%. No derogatory marks on TU and only a couple on EX.
Current 2023 FICO 8 score - 760 (EX) 758 (TU) 762 (EQ) (FICO 9s seem to be significantly higher)
Starting score - 530
Discover it - $4,200
Citi Custom Cash - $6,600
CFNA Firestone - $3,200
Amex BCE - $2,500
Mission Lane - $1,100
Chase slate (AU) - $3,000
Chase Freedom Flex - $11,100
Lowes Advantage card - $10,000
PNC poop points- $4,500
2 student loans 93% paid off
AMEX loan only 7% paid off so far
Total current Utilization among all accounts- 20%
