I applied for this card while I was in school, to help finance my professional licence exam prep. At the time my Transunion score was about 720, and I was approved for a $4,000 line, 0% for 7 months, and 13.99% thereafter. I've gotten periodic line increases since then, basedon my requests, and currently have a line of $14,500. The cashback rewards are quite good and easy to use--though Discover is really better in that regard, not everywhere takes it. I also got a promotional deal AFTER the intro 0% period was over, allowing me to take advantage of a 0% for 12 months balance transfer for a 3% transaction fee, allowing me to consolidate a good bit of other debt for an effective APR of 3%.
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Do not apply for this card or any Citi cards if you have a bankruptcy of any kind, they will not take you from what the customer care rep stated, the application processes just is very vague and does not give you a detail of any kind. Customer care is hard to understand as well. I tried to call and see if maybe i applied for the wrong card, some banks have different cards for different types of clients. but they said w don't take you at all. I was kind of taken back by how they were you r not wanted at all.
I do have a BOA AMEX, Discover card and Capital one card. so I'm ok, just don't like that it hit my credit as a hard hit and I have fisco score of 710.
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Sample Size: 1,548
Data Created: February 02, 2015
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