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Citi, Cap1 questions

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Citi, Cap1 questions

So the DGF in interested in expanding her collection the citi cards offered to her all have a solid APR and it's the lowest citi offers on what ever card they are showing.

 

Cap1 is offering the Quicksilver, Venture, Savor and Savor one. 

If I remember correctly the venture is a minimum 5k SL?

 

if / when she decides to pull the trigger what would give her the most juice for the squeeze?

 

total income for her is in the 60-70k range and all Fico 8's are 760+ range


she has store cards backed by both Cap1 and Citi if that helps 

 


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Inq's
LOL /12 -24
13 REPLIES 13
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Re: Citi, Cap1 questions

If the primary concern is the highest possible SL, the Venture or Savor (not Savor One) would probably be your best bet. Citi can be a little more stingy and Cap1 tends to hand out its biggest limits with the Venture and Savor (the AF cards). Of course there are exceptions everywhere, but that seems to be the trend. 

Good luck to her!! 

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Message 2 of 14
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Re: Citi, Cap1 questions

Thank you pinkandgrey, and in true forum fashion I'll definitely update what she decides to do and gets!


Starting Score: Jan 2011-600TU 598 EQ
Current Score: 790TU 816EQ 809EX
Goal Score: 800 and higher across the board


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Message 3 of 14
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Re: Citi, Cap1 questions

Yes, both the Venture and Savor have a 5k minimum.





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Profile Type: New, Thin, 100% Clean
INQ's: EQ: 0 TU: 1 EX: 3 (last 12 mo.)
Recent Accounts: 4 (last 24 mo.)
Total CL: 24.95k Util. 1% AAoA: 1yr, 11mo.
AoOA: 2 yrs, 8 mo. AoYA: 0 mo. 100% PIF.





myFICO Member since: July 21, 2018 | Joined Community: Aug. 17, 2018 | Starting Scores: EQ: 716 TU: 738 EX: 698
Message 4 of 14
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Re: Citi, Cap1 questions


@addicted_to_credit wrote:

So the DGF in interested in expanding her collection the citi cards offered to her all have a solid APR and it's the lowest citi offers on what ever card they are showing.

 

Cap1 is offering the Quicksilver, Venture, Savor and Savor one. 

If I remember correctly the venture is a minimum 5k SL?

 

if / when she decides to pull the trigger what would give her the most juice for the squeeze?

 

total income for her is in the 60-70k range and all Fico 8's are 760+ range


she has store cards backed by both Cap1 and Citi if that helps 

 


 

There really is no way to guess without more info on her profile such as number of cards, when they were opened, utilization on them, are they all store cards, any negatives, limits on her existing cards.

 

Cant squeeze the juice if you dont know where the fruit is 

 

QS and Savor One, I've seen approvals as low as $1000.00.

Venture, I believe is $5000.00

 

 

 

Message 5 of 14
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Re: Citi, Cap1 questions

Highest limit is 12500 mostly every thing is paid off just waiting on updates to the CB's she owes a little over 1k on a 7.8k Card. She kinda shot herself in the foot when she transferred 3500 onto discover which has a 4K limit-- it's paid off now just hasn't reported yet

 

below is the cards she currently has 

4AE08C85-FE8B-402E-A264-707B483B53B4.jpeg

 

D375BBD8-B11B-48FB-A0E9-1B710FCF148A.jpeg

 


Starting Score: Jan 2011-600TU 598 EQ
Current Score: 790TU 816EQ 809EX
Goal Score: 800 and higher across the board


Take the FICO Fitness Challenge

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Apple Card 10k
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Home Depot 5k
Cap1 QS 2k
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Inq's
LOL /12 -24
Message 6 of 14
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Re: Citi, Cap1 questions

Dang, you were prepared Smiley LOL

 

 

As long as there aren't too many new accounts, she should be okay with both.

I wouldn't get Venture just because of guaranteed $5K. 

It's not that much to begin with, and if she has no use for it later, it's kinda wasted app.

Does she travel or eats out? 

Premier has a great SUB, there is $95 AF, and if she doesnt want to keep it, she could do a PC. 

 

Has she tried for Disco CLI and everyone else who does SP CLIs? 

 

Definitely wait till all three CRA update pay offs. 

Message 7 of 14
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Re: Citi, Cap1 questions

Has DGF considered a 2nd Navy card? I'm sure she can squeeze a lot of SL juice.
Message 8 of 14
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Re: Citi, Cap1 questions


@Remedios wrote:

Dang, you were prepared Smiley LOL

 

 

As long as there aren't too many new accounts, she should be okay with both.

I wouldn't get Venture just because of guaranteed $5K. 

It's not that much to begin with, and if she has no use for it later, it's kinda wasted app.

Does she travel or eats out? 

Premier has a great SUB, there is $95 AF, and if she doesnt want to keep it, she could do a PC. 

 

Has she tried for Disco CLI and everyone else who does SP CLIs? 

 

Definitely wait till all three CRA update pay offs. 


You should see the complete list 😬

we like to eat out and normally when she travels I just burn some airline miles and hotel points. Lately we've started up a mini ranch and have spent 1,000's on buildings and fences I wish a farmer card existed!


Starting Score: Jan 2011-600TU 598 EQ
Current Score: 790TU 816EQ 809EX
Goal Score: 800 and higher across the board


Take the FICO Fitness Challenge

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Inq's
LOL /12 -24
Message 9 of 14
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Re: Citi, Cap1 questions


@AllZero wrote:
Has DGF considered a 2nd Navy card? I'm sure she can squeeze a lot of SL juice.

We tried a cli on her platinum the other night and she didn't get it, I think she may have pulled that trigger a hair too soon, she is considering a second card but we shall see.


Starting Score: Jan 2011-600TU 598 EQ
Current Score: 790TU 816EQ 809EX
Goal Score: 800 and higher across the board


Take the FICO Fitness Challenge

Avant 750
US Bank plat 7k
US Bank Cash+ 19k
Chase Sapphire Preferred 20k
Chase FU 6k
BB&T Bright 6.5k
BB&T Spectrum 6.5k
BB&T Spectrum2 9k
Apple Card 10k
Amazon Store Card 10k
NFCU More Rewards 15.8k
Home Depot 5k
Cap1 QS 2k
NFCU Flagship 25k
Tractor Supply SC 3.5k
Lowe’s 7k
Penfed Signature Rewards 15k

AU Accounts
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USAA 12.5k
Chase Southwest 7.9k


Inq's
LOL /12 -24
Message 10 of 14
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