The itch is back

[Jimmy9224]

Hello Ive been gardening for a total of about, let's say 6 days.. Im interested in applying for the citi Dividend Platinum select.. I am planning on canceling my $300 dollar limit cap one card and my Macy's, so I'd have just bank cards and amazon.. Would like to know if my chances at approval are good.. Here's my info btw I'll definitely garden after citi. 3% utili 742 Fico TU, 715 fako EX and 652 LP Amex EQ 18k annual income 0 baddies no lates. Oldest account 1 year and 3 months AAoA is 7 months Total inquires on TU is 7 and 10 on EX not sure EQ but that's frozen Is the card worth the hard pull or should I wait, garden and apply for an Amex revolver in a year?

[trumpet-205]

$300? I thought you signature says $750?

Give the student version a try instead. If you app the standard version your chance is not that great.

[Jimmy9224]

My sig has two cap ones, the one that's 300 is a secured Wouldnt the starting limit on a student card be very low?

[jefftca925]

Just an FYI... There is a $200 cash back offer after $500 spend out there on the Dividend card if you decide to apply.  You can google it...

[trumpet-205]

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@Jimmy9224 wrote:
My sig has two cap ones, the one that's 300 is a secured Wouldnt the starting limit on a student card be very low?

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Nope. I got my Forward and Dividend card through student version application. Both started with $1000. Forward is now $2000 and Dividend is now $1500.

[Jimmy9224]

@Jeff thanks that is very appealing! @trumpet 1000 is what I hope to get.. Which one do you like better, the forward or dividend?

[trumpet-205]

I like both. Forward is for Amazon, restaurant and video game (Steam) spending. Dividend for quaterly 5% bonus.

My third Citi card, AT&T Universal Savings & Reward, starts out with $1500 (no student version on this). It is used to pay AT&T bills (10% off first year, 5% thereafter).

[Jimmy9224]

Alright here goes nothing..

[jefftca925]

I have a Platinum Select MC that's about 2 years old that I haven't used in a while.  No rewards and I don't need a BT.  Was thinking about the Dividend card myself for the rotating 5% categories.  Next quarter is Home Improvement!!  Yay!  

[Jimmy9224]

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@jefftca925 wrote:

I have a Platinum Select MC that's about 2 years old that I haven't used in a while.  No rewards and I don't need a BT.  Was thinking about the Dividend card myself for the rotating 5% categories.  Next quarter is Home Improvement!!  Yay!  

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