I have been repairing my credit for a year now. I went from 540 FICO to scores up to 710. I have 5 credit cards now with interest rates from 14.99 to 21.99. Yesterday I got an offer, not a pre-approval, for a Citi Flex Line of Credit, with no collateral - 5,000 to 25,000, with a 11.99% apr fixed. I have a Citi credit card I got a few months ago and charged a small amount this month and have not made a payment yet. The letter says because of my good payment history with them, they made the offer. I am wondering if I would be able to get this line of credit?