Went to the Citi branch Tuesday and the banker was able to offer me 350AF version and 50k bonus after 3k spending. So I applied right away and get the pending screen. The banker called the backdoor number for me and asked me to talk to credit analyst. It was a long wait but the banker told me that long wait means higher chane to approve. And finally I got approved with $5.4k SL. Can't wait to enjoy those benefits!!!
I have 6 INQs past 6 months and 8 INQs within a year. Oldest account 2yrs and AAoA 11 months. Hope these information are helpful.