Approved for citi limit 9000

Discussion in 'Credit Talk' started by lifetime, Aug 25, 2001.

  1. lifetime

    lifetime Well-Known Member

    I have applied for this card 3 times before being approved. I paid down my balances and my last chargeoff was removed. i have been debating on applying for this card because my student loans are showing 60 date late as of 7/2001. I'm still in school so they are in deferment. I disputed this on equifax and experian and I guess it help.

    I'm finally out of subprime hell. I will transfer my balance from cross country but I won't close it until 3/2002(three year mark).

    Next question how long should I wait before I apply for the gold?
  2. sam

    sam Well-Known Member

    if you were approved instantly, go and apply for the gold ASAP right now, not tomorrow.
  3. mindylou

    mindylou Well-Known Member

    Congrats, welcome to the citi club.

  4. leo728

    leo728 Well-Known Member

    Congrats, Wow, citibank seems to be handing out credit cards with huge limits left and right.
  5. lifetime

    lifetime Well-Known Member

    Thanks Sam, I applied from the gold and got another 9000. my rate is 16.65 on both cards. When I get the cards, I will upgrade to platinum.

    Thanks to everyone who post on the board. I don't post a lot but I read almost everything. I have been repairing my credit since 99.
  6. lifetime

    lifetime Well-Known Member

    thanks Leo
  7. IncomeHelp

    IncomeHelp Well-Known Member

    Well that is great news!

    Well I'm wondering is I should apply, and if I do should it be during normal business hours?
    I wonder if it is late or weekends and their online is not working I would be left wondering.

    Any thoughts?
  8. leo728

    leo728 Well-Known Member

    Once again congrats. Now all you have to do is combine and upgrade to platimum. Wow a $18000 limit.

    I hope I also get approved for a additional card. Mine wasn't instant.
  9. lifetime

    lifetime Well-Known Member

    Income I applied around 8 eastern time.
  10. GEORGE

    GEORGE Well-Known Member

    only if your F.I.C.O. is below 685...
  11. Geo

    Geo Well-Known Member

    Congratulations!!. I also was approved intantly for the same amounts last January. They will raise your limit to 10,500 on each card in 5 or 6 months!. Enjoy it!.
  12. CASPER72

    CASPER72 Well-Known Member

    I am wanting to know what kind of scores you need? I have a 520 equifax score and applied last night. Then I thought I should have disputed some things on it befor I applied. I got a message saying that they will send me a letter when they complete processing of my application. Does that mean rejection? Or should I hurry and do online disputes and see if they will give it to me.

    Thanks for the help!!

  13. sam

    sam Well-Known Member

    typically you can get their card if you have no derogs less than 24 months old. Thats one of their rules

    I would have disputed all your baddies , then applied when they are all in dispute.
  14. leo728

    leo728 Well-Known Member

    I took a gamble and it paid off. If you haven't applied for anything the last 6 months , I would go for it and try applying.

    But thats just me.
  15. roni

    roni Well-Known Member

    CONGRATS! Welcome to the citiclub....$9k "that's what I'm talkin 'bout....
  16. MikeB

    MikeB Banned

    I had several lates less than 24 months old. Score was under 620.

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