Sharaby86 wrote:
Hi I'm trying to apply for the Citi double cash card and wonder if I would get approved. My credit score on all three TN, Eq, Ex show 723. Here's my credit history
I have the following cards,
Capitol one platinum secured - 500 limit
Opened 1 year 6 months ago
Capitol one quick silver - 1500 limit
Opened 7 months ago
First premier bank master card - 500 limit
Opened 7 months ago
Macy's store card - 1200 limit
Opened 4 months ago - soft credit check
Discover card - 3000 limit
Opened 2 months ago
Barclays Apple rewards card - 3500 limit
Opened 2 months ago
For my discover card I have 950 dollar balance out of 3000 I'm paying off purposely not in full to build my credit more.
All my other cards I don't use them even if.
I have no collections, no BK's, no debt - clear
I'm fairly new to credit history as you can see my oldest card is about 18 months old and I have opened 5 credit cards in the last year.
What are my odds for getting approved?? Should I wait it out possibly til next year? I know banks usually don't like to many credit cards in a short period of time. Is citi pretty conservative ?
Try Citi's pre-qual site first, if nothing pops, I would wait until your last card ages 6 months. Get the Discover cards' balance down to or below $300 and for everything that is pure and holy, ditch the First Premier Bank card!!!