I'm wanting to apply for Citi again and I think its been 60 days. I think they pull Equifax, right? I have a 672 and no derogs...credit history of 12+ years and 50% credit utilitzation and four inquiries in the past 12 months. Will I meet their criteria? Additionally, do they take stated income? Can I use household income? If so, how do I do this? They have a place for job and pay, etc...so would I put that info there and then put my hubby's income under other as household income? I don't want to blow an inquiry if I don't have a fairly good chance of being approved. I would just really like to have a card with at least a 5K cl and they have an excellent 0% no fee bt offer for a year right now. Thanks, L
