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Citi double rewards question

Contributor

Citi double rewards question

About 10 years ago I was charged off by citi cards, is that how you say it? The negative fell off my reports years ago and Ive recently begun receiving offers to apply. I'm aware they target certain credit ranges and this does not mean they've forgotten the debt. How long do they keep records of debts and will they deny me if I attempt to apply? This debt is about 12 years old, 2k. Thanks credit gurus.

Message 1 of 8
7 REPLIES
Regular Contributor

Re: Citi double rewards question

Citi definitely does blacklist. Everyone does does really, however some like Cap 1 get over it sooner, others carry a grudge for years.

 

Only way to know for sure is to app. Have you tried their pre-qual site?

Message 2 of 8
Contributor

Re: Citi double rewards question

I threw away the offer along with the code. I'll try that soon though, they're pretty persistent, it's a soft pull right?

Message 3 of 8
Regular Contributor

Re: Citi double rewards question

Maybe you want consider Citi Costco instead of Double reward?  Citi Costco easier to get. It was based on my personal experinces. Burned Citi AA prior BK 2014.

Eventho maybe you never shop at Costco, you cant beat 4% back for gas and 3% back for Restaurant and Travel.

Thats only my 2 cents Smiley Wink

Rebuilding credit since July 2014 Ch7 BK discharge = Amex Platinum NSPL, Amex Everyday $4.2k - Blispay $5k - Capital QS $2,8k - Capital QS1 $1,8k - Capital Venture (AU) $11k - Citi Costco $5,5k - Citi AA (AU) $16,5k - Chase Hyatt (AU) $20k - Chase United (AU) $15k - Chase Amazon (AU) $5K - Victoria Secret $1.1k - Credit One $2.4k - Discover $2.4k - Merrick Bank $1.4k - Walmart $6k - Paypal Credit Hidden Line $4,5k - Car Loan $10k - Student Loan $2k.
Message 4 of 8
Contributor

Re: Citi double rewards question

Thanks Aloha, does this card price match like the double rewards? That's what attracts me to that specific card.

 

Edit- A quick google search answered that for me, it appears all Citi cards have the price rewind feature, neat.

Message 5 of 8
Valued Contributor

Re: Citi double rewards question

Citi bank has 2 divisions. Their legacy division ( double cash simplicity ) and their retail division ( BestBuy Costco ) If you burnt one division,

it will be easier to get approved in the other division. Good luck



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You are only young once, but you can be immature forever
Message 6 of 8
Moderator

Re: Citi double rewards question


Meanmchine wrote:

Citi bank has 2 divisions. Their legacy division ( double cash simplicity ) and their retail division ( BestBuy Costco ) If you burnt one division,

it will be easier to get approved in the other division. Good luck


Someone can correct me if I'm wrong, but I believe Costco is considered a legacy card as well (like the AAdvantage cards). 

 

Retail would be BestBuy, Sears, etc.

Message 7 of 8
Regular Contributor

Re: Citi double rewards question


UncleB wrote:

Meanmchine wrote:

Citi bank has 2 divisions. Their legacy division ( double cash simplicity ) and their retail division ( BestBuy Costco ) If you burnt one division,

it will be easier to get approved in the other division. Good luck


Someone can correct me if I'm wrong, but I believe Costco is considered a legacy card as well (like the AAdvantage cards). 

 

Retail would be BestBuy, Sears, etc.


Interesting...... I would like to know more about this too. Citi Costco is showing up on Citi website with Double Cash, AA and other Legacy cards together.

Rebuilding credit since July 2014 Ch7 BK discharge = Amex Platinum NSPL, Amex Everyday $4.2k - Blispay $5k - Capital QS $2,8k - Capital QS1 $1,8k - Capital Venture (AU) $11k - Citi Costco $5,5k - Citi AA (AU) $16,5k - Chase Hyatt (AU) $20k - Chase United (AU) $15k - Chase Amazon (AU) $5K - Victoria Secret $1.1k - Credit One $2.4k - Discover $2.4k - Merrick Bank $1.4k - Walmart $6k - Paypal Credit Hidden Line $4,5k - Car Loan $10k - Student Loan $2k.
Message 8 of 8