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My first prime card!!

Discussion in 'Credit Talk' started by kjoe, Dec 20, 2004.

  1. Dec 20, 2004 #1
    kjoe

    kjoe Active Member

    I applied for a Citi Upromise Platinum card online on 12/8, got a 'need more processing' message, and today I got the card in the mail! $4200 CL, 10.99% APR and 0.00% for BT (for 12 mos after I do a BT)!

    I know the APR is a little high, but this is my first prime card!! Woo-hoo!!

    Oh, my updated fico scores:

    TU - 682 (after Citibank inquiry)
    Equifax - 666
    I don't know the Experian score
     
  3. Dec 20, 2004 #2
    kjoe

    kjoe Active Member

    I forgot to add - there's no annual fee!
     
  4. Dec 20, 2004 #3
    pd11604

    pd11604 Well-Known Member

    congratulations! it is a nice feeling to get that card.
    The first one is the toughest, just pay as agreed and in a year you'll have a few more!
     
  5. Dec 20, 2004 #4
    kjoe

    kjoe Active Member

    Thanks!

    I am thinking about a BT from a Capital One Visa that I'm not too happy with - it's a $750 CL (used $550), with a 14.9% APR and a $59 annual fee. Is that a good idea, with the 0% BT that Citibank offers?
     
  6. Dec 20, 2004 #5
    MisterX

    MisterX Well-Known Member

    CONGRATS! Way to go!!!

    By the way, you mentioned that Citibank pulled TU... what city are you in?

    Happy holidays!
    Mr.X
     
  7. Dec 20, 2004 #6
    Hedwig

    Hedwig Well-Known Member

    Congratulations on the new card!!!
     
  8. Dec 21, 2004 #7
    kjoe

    kjoe Active Member

    I am in the Chicago area..
     
  9. Dec 21, 2004 #8
    broncsboi

    broncsboi Well-Known Member

    what is your credit background? Any BK?
     

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