AT&T Universal

Discussion in 'Credit Talk' started by Dani, May 7, 2002.

  1. Dani

    Dani Well-Known Member

    I was thinking about applying and wanted to know if anyone had it, who they pulled, your score (approximately), and CL. Sorry for being so nosy. :)

    Thanks for anyone's help.

    Dani
     
  2. Ron

    Ron Well-Known Member

    Dani,

    I have this card for over two years and they approved me for $4000. When I have Citibank account when I applied for this card. Within these years they increased my limit from $4000 to $8500. They pulled credit from TransUnion. They don't give high credit limit like other Citibank Cards.


    Ron.
     
  3. SweetnSas

    SweetnSas Well-Known Member

    Dani,
    Did you just get an offer to apply in the mail? I just got one today, 0% APR until May 2003, 9.74 fixed APR afterward.

    I'd like to know what kind of score they are looking for also....but unfortunately, I'm in the process of buying a home and will not apply, either way.

     
  4. Dani

    Dani Well-Known Member

    SweetnSas,

    That is the same offer I got in the mail. I applied today, although just reading Ron's post that the CL that they assign is pretty low compared to other Citibank cards - I'm kind of regretting it. I wanted at least 8-9K line for my BT. Just don't want to pay any interest.

    My current intro rate is about to expire and then will increase to 9.24%, which isn't bad, but if every other company out there is offering 0% interest - why pay? :)

    They say it will take 3-4 weeks for approval - I'll let you know how it turns out.

    Dani
     
  5. skittens

    skittens Active Member

    I responded to a 0% offer in the mail but was declined with decent scores (low 700s) and no negatives. Apparently my credit utilization ratio was too low. I think at the time it was under 10%.
    DH has had the card for 8 years and his credit limit is only $3500.
     
  6. cherie

    cherie Well-Known Member

    Dani.. AT & T denied hubby for having to high of balances AND to much available credit ... this was early last Janurary.
     
  7. GEORGE

    GEORGE Well-Known Member

    "TOO MUCH CREDIT" is NOT a F.I.C.O. score reason code!!!

    It is an "OUT" for them to say~~~"YOU GOT GREAT CREDIT AND WILL PROBABLY USE OUR CARD FOR YOUR BENEFIT...AND WILL NOT CARRY A BALANCE (EVERY SINGLE MONTH), BE LATE OR OVER LIMIT SO WE WON'T MAKE ENOUGH MONEY OFF YOU"

    "PROFIT DENIAL"
     
  8. cherie

    cherie Well-Known Member

    George,

    This was the response fromAt and T .. I was schocked : to high of credit balances which INCLUDES all open and available credit limits. Yes.. this is what they meant.. I called and asked.
     
  9. GEORGE

    GEORGE Well-Known Member

    I have had it myself...BUT it is still NOT a "REAL" F.I.C.O. code...(just F.Y.I.)
     
  10. GEORGE

    GEORGE Well-Known Member

    I have NEVER used ALL the limits at any one given time..."TOTALLY MAXED"...they have a way to see that on the credit report...but they DON'T care!!!
     

Share This Page