City National Bank Crystal Infinite Approval

[CreditUp26]

I was very unsure whether I would get approved for the City National Bank Crystal Infinite card. You have to go in branch, fill out a paper form, provide proof of income, you e-sign paperwork, and then it goes through a manual underwriting. It took 2 business days but I did get approved - my understanding is I was barely approved but made it with the $10k starting limit. They pulled my Experian (740 FICO, 25 inquiries 18 months, 4 new accounts in last 12 months) and it seems like my income ($80-90k range) was on the lower side for them. Also your DTI has to be less than 30%. I did not receive the 50,000 bonus point offer because I did not have my application approved by the 7/31 deadline. 

[nuohlac]

Congratulations on your approval!!! Thanks for the DP's; this one is on my hit list when some HP's fall off and my scores recover. 

[Anonymous]

Congrats on your CNB Crystal Infinite approval! Sweet card! 

[gdale6]

Congrats on the new visa

[CreditInspired]

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@CreditUp26 wrote:

I was very unsure whether I would get approved for the City National Bank Crystal Infinite card. You have to go in branch, fill out a paper form, provide proof of income, you e-sign paperwork, and then it goes through a manual underwriting. It took 2 business days but I did get approved - my understanding is I was barely approved but made it with the $10k starting limit. They pulled my Experian (740 FICO, 25 inquiries 18 months, 4 new accounts in last 12 months) and it seems like my income ($80-90k range) was on the lower side for them. Also your DTI has to be less than 30%. I did not receive the 50,000 bonus point offer because I did not have my application approved by the 7/31 deadline. 

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Wow, if a $10K SL is barely getting approved, you hit the ball out of the park. Congratulations to you.

[Anonymous]

Big congrats on a unicorn OP - enjoy the exclusivity!

[M_Smart007]

Inquiries are so overrated Congrats!!!

[Gotham-]

Glad you got the Unicorn! Congrats Gallop Gallop!

[coldfusion]

Congrats on the approval!

Who cares if you were "barely" approved, the only thing that matters was that you *were* approved.

Will you qualify for a 30,000 point SUB for meeting the spend?

[CreditUp26]

Yes, they said I can do the 30k for $3k but because I wasn't approved by July 31st I didn't qualify for the 50k offer