Hi All,
I was in a situation where my 0% APR was ending with BoFA and a mortgage was going to report on credit report in next 10 days. I figured it would be good to have cushion in case I need 0% APR. I had checked my credit reports for mortgage, All credit scores above 780 and 1% util, 0 baddies. so figured I would not run in to much trouble with 1 card. 1 Enq on TU, 2 Enq on EQ , 1 on EX in last year. AAoA less than 2 years.
Gave a thought to apply to Citi DC (no joining bonus), Barclays ( don't like them), Chase Slate (Saving this for later), Capital One ( triple pull, No thank you!!) ,BoFA BT card but ultimately decided to go with Citi Thank You Preferred as it had a joining bonus and 0% apr.
Applied today after checking for Pre-qual. Gave me 5 offers including DC and TYP but chose TYP and got instantly approved. $9.5K. I don't know which bureau they used
Witth Citi. I was aftraid of the Starting CL but they gave me $9.5K. I dont know if thats good or not but certainly ok for me. Happy for now and to a year long garden I go!!
I had few questions as this is my First card with Citi.
1) Can I call Citi and ask for higher limit w/o HP?
2) Can I call in to expedite the card shipping? any phone number to call?
3) How good is Citi with growing the card? How soon can I request SP CLI?
Cheers to the members who helped me with this card. and Thank you in advance for answering the questions.
PS: Posting this again as the last post seems to be gone. Or is there a new review policy? I am sorry if post is duplicate.