Opening CL and Promo APR
Applied for the promotional 0%APR for 21 months. I wanted to purchase 2400 in test prep for the MCAT but im a poor college student that cant fork up that kind of cash, this was my way to finance it. After applying I recieved the standard "we will get back to you in one weeks time", accompanied by a link to check the status of your application. My suggestion would be to call their application status line 3-5 buisness days after applying. Thats what I did, and I was approved with a 5500 CL which is awesome because I didnt want to use more than 50% of the CL for this purchase. My credit scores TU:765 EF:768 FICO:757 on all my CC applications I report an income to be 80k...... dont tell anyone lol. and I currently have only 13% of my total credit limit used. I have pretty high credit score because my first landlord taught me how to build credit and manage my cc acounts responsibly. Hopfully this will help give you a gauge as to what limit you might get approved for. As some other have suggested if you dont get the limit you want you can always ask to be reconsidered.
BTW only gave four stars because I have not recieved the card, used the online account access or even submitted the actual balance transfer yet. Issues can arise in all of those features. But the biggest concern for me was the opening credit limit, in this area I was very satisfied.
Waist of time
Applied was approved. Card came and I activated it. Tried to set up my account on line and was having problems. Called customer service and was told my card is blocked for potential fraud. I got run around on how to prove I was me with no,success. I wanted the 21 months zero interest and transfer and now I have a hit on my credit and a card I can't use. Been 2 months fighting with customer service with no luck. Won't tell me anything except that they will call me when they figure out how to prove I am me.
Balance Transfer Card
Applied, Called for verification process, approved for $4k .... 740 Exp... 8% UTI....
Low limit,21 month no interest just bait
Low limit makes this card basically useless. They bait you with the 21 month interest free, but then give you such a low limit you can't transfer any balance that's worth transferring. I was approved for $1,100 at the same time Amex approved me for $8,000. Listen to all the other negative comments. I don't think any of the positive reviews are real. Kind of like Amazon reviews.
It's likely your income-to-debt ratio working against you. The pattern seems to be, lately anyway, that balance transfer/low interest cards are tending to focus more on numbers rather than records of reliability of the customer. A rewards card that is more focused on spending to meet a 90 day bonus period may be the way to go, IMO.
Very stingy card
Got approved instantly with a credit score about 720. But they only give me 3K credit line, WHAT?? This is my lowest credit limit credit card, I was hoping to transfer some of my higher interest balances, and had expected 15K credit line or more. Called to request for a credit line increase, but was turned down, reason: my income was not high enough. I have an annual income of 200K in 2016.
Income to debt ratio is probably not working in your favor, I'd wager.
You are probably right. Since taking on a $40K business debt on my personal cards. Things start to go down hill from there.
Debt to income ratio is probably not being met.
No rewards and low credit increase.
Don't waste your time.
Opening CL and Promo APR
Applied for the promotional 0%APR for 21 months. I wanted to purchase 2400 in test prep for the MCAT but im a poor college student that cant fork up that kind of cash, this was my way to finance it. After applying I recieved the standard "we will get back to you in one weeks time", accompanied by a link to check the status of your application. My suggestion would be to call their application status line 3-5 buisness days after applying. Thats what I did, and I was approved with a 5500 CL which is awesome because I didnt want to use more than 50% of the CL for this purchase. My credit scores TU:765 EF:768 FICO:757 on all my CC applications I report an income to be 80k...... dont tell anyone lol. and I currently have only 13% of my total credit limit used. I have pretty high credit score because my first landlord taught me how to build credit and manage my cc acounts responsibly. Hopfully this will help give you a gauge as to what limit you might get approved for. As some other have suggested if you dont get the limit you want you can always ask to be reconsidered.
BTW only gave four stars because I have not recieved the card, used the online account access or even submitted the actual balance transfer yet. Issues can arise in all of those features. But the biggest concern for me was the opening credit limit, in this area I was very satisfied.
Great card
In my opinion is a great card i got aporoved right away for 9k and the customer service is great
Can't beat 0% for 21 months
I have used this card to transfer balances, and it has helped me in consolidating and paying off my debt! I've never had any issues with the card, or customer service.
21 month...0% Interest
3rd Citi card approval in the past 7 months... 739 Ex Fico; CK 695 TRANS; CK EQ 689... UTI 9%... Approved $4k....
Balance transfer was easy and efficient.
0% intereste for 18% with a small balance transfer fee will beat 16.74% interest every day. This has been a great card. Very happy with Citi.