Citi Forward is the card I need to get now b/c they've denied me 3 times. LMAO. 4th a charm maybe? I'll wait until my UTL is down and a few more months before trying again.
I also gave into temptation yet again or the 2nd time around. Last year I got denied for this card due to lack of credit history. This year I applied for the Citi Forward again and got shot down for a different reason "too many inquires on my credit report" "too many new accounts opened in the last 6 months" I think ill back off and garden for a while as my new inquires cool off.
I'm definitely going to wait longer than the 3 months she said. I need to be in the garden for a while. All my cards have been opened within a month and there are a few extra inquiries from apps that were denied. I got bummed out about getting denied and then I saw posts yesterday about people getting cards taken away from opening too much at one time so I may never want to leave the garden again....lol
Research and patience are key. Each new inquiry and new account can not only add to a denial but also a denial of credit increases. When in the rebuilding stage, cli are key to getting out of the toy limits. A bunch of low limit cards will never feel as good as good limit primes.