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Which Citi Card is easiest to get with 760 Fico 8

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Frequent Contributor

Which Citi Card is easiest to get with 760 Fico 8

Hello guys, 

 

Which citicard is easiest to get approved for from the following. 

3 burueaus are in the 750+ fico 8

Citi Diamond preferred, Citi Simpliciti or Double cash or an Airlines card ?

 

Also, if applying to a Discover IT as well, which one should be applied for first Citi or Discover? Which one will be more sensitive if they see another inquiry same day? They both may use Experian as I can remember. 

Thanks

 

P.S: Will Discover allow to move available credit from one card to another?

 

Message 1 of 11
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Valued Contributor

Re: Which Citi Card is easiest to get with 760 Fico 8

Can you share more data points, please?

 

What does your overall profile look like?

Message 2 of 11
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Frequent Contributor

Re: Which Citi Card is easiest to get with 760 Fico 8

18% overall utilization

49% util on 2 cards. 

Student loans 

No lates, no hard inquiries in past year. 

 

Thanks

Message 3 of 11
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Super Contributor

Re: Which Citi Card is easiest to get with 760 Fico 8

I hear Citi can be sensitive to inquiries within the last week or two. I don't know the exact rule, but I'd do Citi first.

 

If you can afford to PIF and don't need an intro 0% period, I suggest you go for an AA card (or Premier/Prestige) with a big bonus, then PC after a year.

 

Not sure how sensitive they are to utilization.

Spend: BofA PR + WWFCR, BBP, Schwab Platinum, CFF+CF, Costco, Discover
Perks: IHG49, Hyatt75, Delta Platinum, "Old" SPG95
SD/AAoA Ballast: Arrival, CFU, DC
Upgrade/downgrade games: BCE, EDP
Mostly earning MRs and cash back as I use up hotel and airline points spread across several programs.
Message 4 of 11
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Frequent Contributor

Re: Which Citi Card is easiest to get with 760 Fico 8

Hi, the AA cards offer bal transfers as well. Are these Citi cards easier to get since they are partner cards?

The mile up has no annual fee. 

 

Good advise on which to apply first. 

 

Message 5 of 11
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Valued Member

Re: Which Citi Card is easiest to get with 760 Fico 8

Last month I got approved for a Citi DC, and applied for Discover the next day. Despite a pre-approval offer from Discover showing the lowest APR, I was denied.  The sole reason listed was too many recent inquiries. 

 

You may want to prioritize which one you want most, and allow some time between applications if you really want both.

10/16/20
EX 776
EQ 771
TU 785
Cap1 QS March 2017 | AmEx BCP July 2019 | Citi DC June 2020 | AmEx Delta Gold October 2020 | Chase FU October 2020
Message 6 of 11
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Valued Contributor

Re: Which Citi Card is easiest to get with 760 Fico 8

IMO there's quite a risk that you might only get one of the two cards. Your 49% util on 2 cards plus 19% over all in these economic times might give them pause especially if they see 2 successive apps in a very short period of time as that might indicate a "credit distress" in their algorithm. They both have been known to use EQ/EX and oftentimes citi does a double pull on both. 
I will app first for the one that I need and want the most as the other might and can be a decline. 
Good Luck!

BK7 dc in 01/2011 with FICO8 in the 500s

New cc TLs : 1/6 ; 1/12 ; 2/24
HPs EX 2 EQ 2 TU 1
AAoA 5y4m
UTIL 1% - 3%

$220K+ Total Limits










Message 7 of 11
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Frequent Contributor

Re: Which Citi Card is easiest to get with 760 Fico 8

@JR_TX Hi, Cards will be at 29% util at time of application. Strategy changed. 

The need is for a BT that allows a check to be deposited in checking account or direct deposit to checking instead of paying off a creditor. 

Discover sends checks when requested for BT and Citi I hear they can do the transfer to checking or check (but wanted to corroborate this information with the CITi and whether it depends on the credit card used) Depending on this alone is what will be applied for first. Any ideas. ?

Message 8 of 11
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Valued Contributor

Re: Which Citi Card is easiest to get with 760 Fico 8


@Superduper2014 wrote:

@JR_TX Hi, Cards will be at 29% util at time of application. Strategy changed. 

The need is for a BT that allows a check to be deposited in checking account or direct deposit to checking instead of paying off a creditor. 

Discover sends checks when requested for BT and Citi I hear they can do the transfer to checking or check (but wanted to corroborate this information with the CITi and whether it depends on the credit card used) Depending on this alone is what will be applied for first. Any ideas. ?


Anytime I have done a BT with Citi (except for the first one), this has been the case. But I don't know that it is a guarantee.

 

Also, there is no guarantee that Citi will approve with a limit large enough to BT or will even allow a BT right now. Some members who have been approved for a card with a BT offer later found out they could not BT.

 

Things to keep in mind.

Message 9 of 11
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New Member

Re: Which Citi Card is easiest to get with 760 Fico 8

Hello,

I wanted the same cards - Citi and Discover. I listened to VintageMel advice and applied for Discover first: they pulled Experian score 739 on July 9, 2020 Approved. Then on July 19, 2020(ten days later) I applied for Citi Double Cash. They pulled Experian also, score was 752 and approved. Hope that helps.

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