So i have had the Citi Secured for almost 5 years now. 200cl
They review it in NOV-DEC to see if your profile is up to par.
Up until Jan. I had a collection on my report which is the reason im guessing card the never graduated since score were 650-680
But Now are 750-776 FICO8 across all 3.
I'm thinking when they review it this time end of year, they will graduate. But since thats end of the year, i really want regular CITI CC but not sure if the secured card is gonna be a positive or negative thing for my app.
I'm about to apply for 3-4 cards to help get more prime cards so i can then garden for 1-2 yrs
Will having that Citi Secured card for almost 5 years help with a regular CITI? , especially since co is gone, and i proably fit there profile for unsecured citi card now.
Is a certain CITI cc easier, Like the Diamond Peffered. ( who do they pull?) are they inquiry or new account sensitive. ( i have 5 new cc after gradening for 3-4years. But all 5 are now 8 months old.
so it would 0/6 5/12 5/24 inq ex-4 eq-2 tu-2
What are my chances of approval with a decent SL
and which card would be the easiest to get in.
I just wanna get my foor in the door with CITI like amex
and start growing the relationship.
here's my list based mostly of Pre-approvals.
My best card right now is PPMC and the rest
are store or no reward cards.
1: FNBO evergreen 7600cl 24%apr- Have not applied yet- EX pull?
2: Discover IT - Preapproved thru SP. TU or EQ pull?
3: Truist - Preapproved for all 5. EQ pull?
4: Citi - COLD APP- CITI DIAMOND PEFFERED
or AMEX- BCP already pre-approved. If citi is denied
then I will go for amex.
I didnt have high score last apps. But know that
i can get all these prime cards with good rewards.
i can garden for next Year and half, So all the new
accounts will have solid history by then.
Is there a diffrent card i should go after thats better based on my profile.
Based on Pre-approvals recieved.
EX-764 4-inq AAoA 6yr3mo. EQ-776 2 inq AAoA 5yr4mo AoOA-16yr4mo(AU) TU-759 2 inq. AOYA-8months 0/6 5/12 5/24
