CITI, are you nuts??

[Imhotrodcrazy]

---

@lhcole77 wrote:

How many recent INQs and TLs do you have, OP? I have a feeling these are factored in to APR.

It seems that they were for me.

---

Ihcole,

My inq's are low.  EX - 1,  EQ - 0,  TU -2

1 EX and 1 TU is from a double pull by Chase and they are 10 months old.  The other TU pull is over a year old now. 

Trade lines are 5 cards,  but I only use 3,  2 cards are in the sd.   I don't  app very often. 

[Imhotrodcrazy]

---

@AirlinerDudeB6 wrote:
That's funny, I did the same thing this morning for citi pre qual and got the same 22.9% crap results.

I'm pretty sure I said "yea, okay citi..." out loud while sitting in my office.

---

That is strange, and you have good scores too. 

[Imhotrodcrazy]

I also checked out the Venture card today and they offered me 12.9%,  and I haven't seen to many approvals with that int rate.  As we all know,  credit is a strange animal. 

[Imhotrodcrazy]

---

@jsucool76 wrote:
BoA always gives me offers for their "lowest rate ever" and it's like 23%

---

That is just plain mean,  offering 23%.  Just keep trying elsewhere. 

[PDXoriginal]

My TYP is at 9.49%

[Cookie2120987]

Citi gave me a prequel apr of 19.90, weird...

[chrisw1968uk]

I wonder if a crappy APR also equates to a crappy credit line if approved?

But saying that, my CDP has a CL of $9100 @ 21.9% - while my DC is 12.99% - go figure  

[barbaralee]

I just ran my spouse's profile through the pre-qualifier, and this is what it came back:

Simplicity: 21.99%

DC: 22.99%

TY: 22.99%

Hilton HHonors: 15.24%

Last I checked his scores ranged in the 750-760 range, 3% utilization, 4 inquiries. 

EDIT: Just did the pre qualifier for Capital One and the interest offers ranged from 10.9-12.9%. 

Go figure!