@CreditAggie wrote:Well, I WAS going to garden until next year, but the $300 CK SUB on the Citi Custom Cash was too good to pass up. I had been skeptical about my chances of approval due to being 1/6 and 3/12 on EX inquiries and new accounts, and Citi has been an EX puller for me and is known for being inquiry sensitive. But that then had me thinking, "What's another hard pull?" So I open CK, find the offer, log into my Citi account, tap the button, watch the wheel spin, and...
Approved!
I was instantly approved for a $3,800 SL and 19.99% APR. I'll take it! As I had predicted, Citi pulled EX, which is a 753 on the credit card disclosure. I have crossed off another goal card from my list and got an awesome SUB to go with it!
Back to the garden I go, for real this time!
Wow, congrats on the approval and the $300 SUB. Kinda surprised a new card like that raises their SUB that quickly. Guess my wife and I applied too early. lol.
@Yasselife wrote:🎉 Congratulations!
Do you know the Citi rules for approval? My last inquiry/acct is 3 months old, Do I stand a chance?the $300 sub can come handy for sweeping off the little debt I have left.
Thank you @Yasselife ! My last inquiry was one month ago, so if that is your only inquiry in the last 6 months and only have 2-3 in the last 12 months, then you likely have a decent chance of approval depending on the rest of your profile.
@Crash_Log wrote:Congrats! Woo hoo!
Thank you @Crash_Log !
@Rebuild2019 wrote:
Congratulations 🎉🎈🎊 on your CITI Custom Cash Approval.
Thank you @Rebuild2019 !
@Jordan23ww wrote:Congratulations on your Citi Custom Cash approval! That's awesome! As someone who is currently 11/24 (and was at one point 11/12 too), I know all too well about the inquiry dilemma, should I wait or just go for it?😂 Sometimes the offer IS just too good to pass up! Again congrats!
@Doodlebug30 wrote:Congrats @CreditAggie ! & I love the yolo attitude!!
@firefox100 wrote:
Congratulations on great new card and awesome sub. I know it is hard to stay in the garden, I hope the 300 dollar sub stays around for time want to get a new I phone next year that would help big time.
Thank you @Jordan23ww @Doodlebug30 and @firefox100 ! I'm usually not one to make YOLO moves in the credit world, but an elevated SUB on a goal card with a decent chance of approval? I'll take the hard pull!
@M_Smart007 wrote:Congratulations on your CCC approval
@Crowhelm wrote:
@CreditAggie wrote:Well, I WAS going to garden until next year, but the $300 CK SUB on the Citi Custom Cash was too good to pass up. I had been skeptical about my chances of approval due to being 1/6 and 3/12 on EX inquiries and new accounts, and Citi has been an EX puller for me and is known for being inquiry sensitive. But that then had me thinking, "What's another hard pull?" So I open CK, find the offer, log into my Citi account, tap the button, watch the wheel spin, and...
I was instantly approved for a $3,800 SL and 19.99% APR. I'll take it! As I had predicted, Citi pulled EX, which is a 753 on the credit card disclosure. I have crossed off another goal card from my list and got an awesome SUB to go with it!
Back to the garden I go, for real this time!
Wow, congrats on the approval and the $300 SUB. Kinda surprised a new card like that raises their SUB that quickly. Guess my wife and I applied too early. lol.
@Anonymous wrote:Congrat for your approval! Nice!
Thank you @M_Smart007 @Crowhelm and @Anonymous !
@CreditAggie Let me start over:
I added 3 accounts in 12 months, 1 loan and 2 cards, but all 3 accounts have not pass the 6 months mark: loan being 5 months old and cards 4 & 3 months old.
Seems like waiting 6 months from my last app is right.
In your opinion, how am I looking and how would you plan on getting the citi cc with my data?
I am 4/24 accts
inq: ex 3, tu 2, eq 2
scores: mid 700s... clean
@Yasselife wrote:@CreditAggie Let me start over:
I added 3 accounts in 12 months, 1 loan and 2 cards, but all 3 accounts have not pass the 6 months mark: loan being 5 months old and cards 4 & 3 months old.
Seems like waiting 6 months from my last app is right.
In your opinion, how am I looking and how would you plan on getting the citi cc with my data?
I would wait at least six months from your last app. 3/12 in inquiries appears to be OK with Citi based on this experience. Of course, your experience may vary as inquiries only make up a portion of a credit profile.