Another "will I be approved" thread
Jul 6, 2015, 6:07 pm
#1
Original Poster
Join Date: Jul 2012
Location: RDU
Programs: DL(PM), UA(Silver), AA(EXP) Marriott(Ti), HH(Gold), Hertz(PC)
Posts: 2,650
Another "will I be approved" thread
My current FICO score (per Discover card, which I believe is true FICO) is 833. Said discover goes back to 1996 with a CL of $13K and $0 balance reported, a Citibank AA MC from 1994 with a CL of $35K and $0 balance reported, an Amex Platinum from 1986 with $0 reported, a Delta AX Platinum backdated to 1986 with a CL $28K and $2K reported (though paid in full every month), and a Chase Visa from Jan 2015 with a CL of $22K and $20K reported (it's a 0% intro thing, which expires in May 2016 and which will be paid off in Feb 2016, just a place to park a large expense interest free).
There are also a few car loans, all with $0 balance and paid as agreed, some closed Visa and MC cards all with $0 shown as closed by me and paid as agreed, a few mortgages which have been paid as agreed and $0 balance and a current mortgage with seven years left and a balance of $80K and paid as agreed.
Given the above, what are the chances that I will be approved for a Citi MC app (the Thank You Premier in particular)?
Besides the HP in January for the aforementioned Chase Visa, there is another HP from March of last year. No other hard pulls.
Obviously it shows healthy credit practices, except for that one card that's almost to the limit. That's the one that worries me as far as approvals go.
Thanks.
There are also a few car loans, all with $0 balance and paid as agreed, some closed Visa and MC cards all with $0 shown as closed by me and paid as agreed, a few mortgages which have been paid as agreed and $0 balance and a current mortgage with seven years left and a balance of $80K and paid as agreed.
Given the above, what are the chances that I will be approved for a Citi MC app (the Thank You Premier in particular)?
Besides the HP in January for the aforementioned Chase Visa, there is another HP from March of last year. No other hard pulls.
Obviously it shows healthy credit practices, except for that one card that's almost to the limit. That's the one that worries me as far as approvals go.
Thanks.
my guess is " no problem@
Jul 6, 2015, 6:22 pm
#3
FlyerTalk Evangelist
Join Date: Aug 2001
Location: RSW
Programs: Delta - Silver; UA - Silver; HHonors - Diamond; IHG - Spire Ambassador; Marriott Bonvoy - Titanium
Posts: 14,185
My current FICO score (per Discover card, which I believe is true FICO) is 833. Said discover goes back to 1996 with a CL of $13K and $0 balance reported, a Citibank AA MC from 1994 with a CL of $35K and $0 balance reported, an Amex Platinum from 1986 with $0 reported, a Delta AX Platinum backdated to 1986 with a CL $28K and $2K reported (though paid in full every month), and a Chase Visa from Jan 2015 with a CL of $22K and $20K reported (it's a 0% intro thing, which expires in May 2016 and which will be paid off in Feb 2016, just a place to park a large expense interest free).
There are also a few car loans, all with $0 balance and paid as agreed, some closed Visa and MC cards all with $0 shown as closed by me and paid as agreed, a few mortgages which have been paid as agreed and $0 balance and a current mortgage with seven years left and a balance of $80K and paid as agreed.
Given the above, what are the chances that I will be approved for a Citi MC app (the Thank You Premier in particular)?
Besides the HP in January for the aforementioned Chase Visa, there is another HP from March of last year. No other hard pulls.
Obviously it shows healthy credit practices, except for that one card that's almost to the limit. That's the one that worries me as far as approvals go.
Thanks.
There are also a few car loans, all with $0 balance and paid as agreed, some closed Visa and MC cards all with $0 shown as closed by me and paid as agreed, a few mortgages which have been paid as agreed and $0 balance and a current mortgage with seven years left and a balance of $80K and paid as agreed.
Given the above, what are the chances that I will be approved for a Citi MC app (the Thank You Premier in particular)?
Besides the HP in January for the aforementioned Chase Visa, there is another HP from March of last year. No other hard pulls.
Obviously it shows healthy credit practices, except for that one card that's almost to the limit. That's the one that worries me as far as approvals go.
Thanks.
Jul 6, 2015, 8:21 pm
#6
Join Date: Oct 2014
Location: USA
Programs: Chase Ultimate, Amex, Delta, AA, BA Avios, United, US Airways, Marriott, Hilton
Posts: 260