Originally Posted by
flyer4512
Lower CL's on your Citi cards to 2k after the spend is met/balance at zero and cancel older cards. Doing so can often turn those 7 -10 day responses in IA.
Just to provide a little more information on this to anyone who may be curious, the flip point for instant approval vs pending seems to be whether or not they can extend you at least the minimum credit limit and keep your total credit extended to less than ~25% of your gross income. I've run some experiments on my last few cards, and the results have been fairly consistent in that the flip point is around 25%
after issuing the card:
pending at 28% of income (standard CL)
pending at 26% of income (standard CL)
pending at 25% of income (standard CL)
Instant approval at 21% of income (lower CL than standard)
Instant approval at 18% of income (standard CL)
Instant approval at 17.5% of income (standard CL)