Hi All,
Planned to be in the garden until September, waiting for an inquiry to fall off. Decided to take the plunge and apply for a Citi card when my Fico08 Experian score shot up 36 pts to 732. Oddly, an unpaid $5K state tax lien vanished off my Experian report (no idea why???). I started to receive offers from Citi in the mail, but the interest rate was high, 21.84, then 18.24. Their online prequalifier tool, preapproved me for multiple cards. Eventually decided on the Simplicity, with 0% for 21mo and 13.24%, which resulted in an instant approval for $3,600. Pulled Experian and Equifax (wasn't expecting a double pull). Called in to recon starting limit and was told that it would be a soft pull, but ended up pulling Transunion. Approved the CLI, with a starting limit of $10,000. YMMV