Current Credit Cards:
- US Bank Altitude Go: Approved on 7/30/2025 / CL = $300
- US Bank Cash+: Approved on 7/22/2025 / CL = $1500
- HEB Store Credit Card: Approved on 7/22/2025 / CL = $3000
- Amex Blue Cash Preferred: Approved on 7/22/2025 / CL = $1000
- Discover It Credit Card: 08/01/2020 / CL = $34000
- Amazon Prime Visa: Approved on 7/22/2025 / CL $3400
Credit Score: TransUnion = 739; Equifax = 740
Oldest credit card account age with you as the primary name on the account: 5 years and 8 months
CPU: 1%
Payment History: 99%
Hard Inquires: 0
Derogaatory marks: 0
Credit Age (per Credit Karma) = 3 years, 6 months
Annual Salary = $85k
I'm hoping to apply for Citi Custom Cash first, then space it out for Fidelity 2% and eventually Citi Strata Premier – (still figuring out if Citi Strata Premier is the right travel CC for me)
Thoughts? Thanks in advance
EDIT: Updated to starting credit limits!
Approval odds for Citi Custom Cash, Fidelity 2%, and maybe Citi Strata Premier
byu/No_Record1197 inCreditCards
Posted by No_Record1197
2 Comments
Wait, you got approved for 4 cards on same day in July and another one few days later – that seems like lot of velocity even with your solid stats
Everything you listed from Credit Karma is made up or nearly irrelevant.
The scores they provide are VS3, not meaningful FICO.
Payment history percentage is a completely made up metric, as number or percentage of on-time payments aren’t a FICO scoring factor. If they are showing you “99%” it means you’ve missed a payment at some point in the last 2 years, a fact that can certainly impede a CC lending decision.
The age of accounts metric that Credit Karma provides is completely made up. They invented “Average Age of Open Accounts” which is an irrelevant stat. Aging metrics include *all* accounts found on your credit reports, open and closed.
To answer your question though, I wouldn’t give you favorable approval odds for anything really at this point, having opened 5 accounts in the last year and with a potentially dirty credit file. By “favorable” I’m not just talking approval/denial, but also starting limits. Maybe you don’t care if you just “squeak in” with a minimum SL of something like $500-$1000, but for some that matters.