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Hi All,
Now that citi has re-launched the citi prestige, was just after some info on how hard it is to get approved for compared to the CSR?
What sort of credit score/age of accounts etc... are required for the Prestige?
Thanks!
Luis
Agree there's a lot of YMMV involved here, but overall I would say that it's going to be easier to get for most people here than a CSR (especially with 5/24) although CSR starting lines are generally going to be much higher.
Thanks for the replies. My file is pretty thin:
I currently have a Fico (through Amex) of 747 with 3 cards open (1 is an AU) and an AAoA of 7 months. CL on the highest card is $27k.
Any thoughts as to my chances for the Citi? Was originally planning on waiting until April/May and applying for the CSR.
Thanks!
Luis
@Priory_Man wrote:
You may be ok with that profile, 7 months is not a lot of history, that would be the only thing stopping me from saying "go for it" for sure, try the pre-qual site see what cards it offers up. https://www.citicards.com/cards/credit/application/flow.action?isInvitation=
I've tried the pre-qual site, and it doesn't match anything. I get the message:
"we couldn't match your records to a Pre-Qualified credit card offer. See below for 1 other cards you may like."
Maybe I should wait and see if the pre-qual site gives me something in a few months.
@AverageJoesCredit wrote:
A thin file with a 27k limit is pretty amazing but i would at least try to get my aaoa to 1 year as Citi does like a little bit of history imo.
Yes, that was thanks to Amex Global Transfer as I only arrived in the US in Jan last year. Had been an Amex customer in Australia/Canada for since 2001.
That definitely made it easier to get started, and also get a reasonable limit...
You might go for it. Maybe you'll waste an inquiry or two, but most people with that short a US credit history don't have a $27k CL (and presumably a good income) to show for it.
What is the card's appeal, if you're already considering CSR? You might want something a bit more differentiated.
@wasCB14 wrote:You might go for it. Maybe you'll waste an inquiry or two, but most people with that short a US credit history don't have a $27k CL (and presumably a good income) to show for it.
What is the card's appeal, if you're already considering CSR? You might want something a bit more differentiated.
I'm helped by having the credit history with Amex and doing the Global Transfer (would recommend to anyone moving countries!).
Was basically deciding between the CSR and Prestige, and thought if I had a much better chance at getting one than the other, I'd go for it over the other. Preference is still probably the CSR, but will wait a few months and try and get my AAoA a bit higher and then apply...