I was recently declined for Amazon Prime Visa. I want to apply for CITI DC or Premier. My EX is 715 with 4 INQ. Uti is 2%. I have three new accounts opened within the last two/three months. AAoA 7 years. Income is 130k.
Alternatively, I would like to apply for BOA Cash Rewards. I do have retail relationship with them but I burned BOA for a 3k and paid that back over 7 years ago.
Do I have a shot for either one or I should wait 6 months?
@Anonymous wrote:One useful piece of data would be the denial reason(s) given from the Amazon Prime (unless it's just a 5/24 decline which is Chase specific)
Chase cited,
Insufficient time since Chase account were opened,
Excessive available credit,
My available credit is not excessive in relations to my obligations.
The most difficult CC cards from Citi are possibly Premier and Costco. To get them, you possibly should have clean sheet in the past 6 months to avoid wasting HP. Citi previously had a prequal website and you might check your chance of approval there before submitting the main application.
Fico8: EX~EQ~TU~840 (12 month goal~850).