should I even try?

[MsKiwi]

Citi Bank has sent me in the neighborhood of 7 invites ( in the last couple of months). My credit is not yet pristine, but I haven't app'd fpr anything in over a year. Should I bite the bullet? They offer a zero intro for 15 months. This would allow me to close 4,  poo-poo acounts. I know I have very low inquiries, but I don't want to waste them either.

[Creditaddict]

do you have a recent EQ fico report? what's still bad and what's score and util?

the other day someone asked about being pre-approved then declined and no one reported using an offer code and being declined

[MsKiwi]

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@Creditaddict wrote:

do you have a recent EQ fico report? what's still bad and what's score and util?

the other day someone asked about being pre-approved then declined and no one reported using an offer code and being declined

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My
EQ looks good. I still have baddies, but they will fall off next summer. That's why I'm thinking of holding off.

[KIPPIE12]

some people get approved with Citi even with paid judgements. Some get denied for chargeoffs.  I don't know if they look at how old they are or not,  But maybe they approve as long as the judgements are paid, and the chargeoffs are not.  But i feel a judgement is as severe as a chargeoff.  Makes no sense to me at all.

Are defaulted credit chargeoffs looked at the same as medical ones?  I have 2 tiny collections from like over 6 years ago, and i won't apply with Citi despite the stacks of preapprovals and with descent scores as well.  My inquiries come off in 2 months, all of them, and i'm gonna pull the trigger then.

[score_building]

Approvals come from citi with more recent

baddies than yours, but not much info here to venture a guess.

[laz98]

also, don't count on them pulling EQ.  they have pulled EX for us.