I have two citibank cards. 1 regular and 1 plantium. I want to apply for the upromise plantium card from citibank but I have concerns. First what scores do citibank go by? I really don't want to apply and be rejected and have another inquiry. Since I have 2 citibank cards already do you think my chances would be improved? My scores are as follows. EQ-640-650 Ex-685
I can answer your question: Does a good 660 score + previous citi card mean you can BDD for sure? No. Friend just tried this. Denied due to heavy balances owed. 90% debt utilization, perfect credit history. Always paid the min payment on his AA card. I've never been denied cept to maximum credit limit.
Damn I really want this card and I have already asked them if they would just transfer my existing Platium to this card and they said no!
