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AT&T Universal Card

Senior Contributor

AT&T Universal Card

Wifey got "invited to apply".


it's a Citi card, and I've no idea if she'll qualify.


FICO's in the mid to upper 600's...utilization in the 60s (%)


I hate to waste the HP if she's going to get denied.




(Mostly, we're after the 0% BT for 15 months...)

Gardening 18 Apr 2018-01 Nov 2018. Race me for the Gold!
Zero percent financing is where the devil lives...
10/01/17 Fico8 scores: EX 660, EQ 647, TU 663
01/01/18 Fico8 scores: EX 655, EQ 661, TU 650
04/01/18 Fico8 scores: EX 637, EQ 630, TU 644 ow!
Message 1 of 2
Established Contributor

Re: AT&T Universal Card

If your wife can somehow lower her util under 30%, her chance of getting approved will be much higher

Starting Score (08/11/11): TU08: 643
Current Score: TU08: 741
Goal Score: Stay in the 700s; keep reports clean

Take the FICO Fitness Challenge
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