citi hates me

[Imperfectfuture]

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@TrialByFire wrote:
Citi sounds very picky...do they offer anything in particular that you can't get with another issuer? Or is it a forbidden fruit thing?

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Right now, have no interest in citi cards.  I only want so many personal cards, and even fewer business.  Since I have quicksilver with instant redemption, and am hardly using it at the moment, don't even see the need for a double cash with higher redemption levels and the same apr and low CL.  JMHO.

[Anonymous]

I believe your fico needs to be 750.  I have 1 Citi.  They're super picky but so far I've had no problems with them.  I will apply for the Double Cash in about 10 months.  Have to stay in the garden for now.

[ElizaBen]

CITI is extremely sensitive to INQs and they seem to prefer utilization under 20%.    My app was denied previously as well with too many inquires... once I waited and let them fall off I was approved.  

[stagefoursurvivor]

Ohhhh, they definitely hate me!

They screwed up big time when I refi'd my home and they reported I made late payments to them a few years earlier. Huh?

They sent a printed record for the past 5 years showing a dozen 30 & 60 days late. It just did make sense and it occured to me where are the "late fees"? Whoever "created" this record forgot about that issue.

THEN I dug out all the cancelled checks...They paid me $5K and all my attorneys fees for the "bookkeeping errors"!

You DO know they still haven't repaid all the bailout $$ AND they were allowed to pay $200mil to name the NY Mets stadium citiField

[Anonymous]

Every credit card hated me up until January of last year.  I was able to get a Citi Diamond Preferred $2,500 and Home Depot $2,000.  My score at the time was 670ish.  I have an auto loan I paid off in 2011 that has 4- 30 day lates.   Not sure if this info helps any.

EDIT:  Forgot to add I also got a Best Buy store card which is also Citi.  I applied for all 3 on the same day.

[epsilon]

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@Anonymous wrote:
I can't ever get a card from them. Guess I'll have to work on my credit for them to like me

670, 679 and 720

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Dont feel bad, they hates almost everybody, i have just wasted around 10 hp last five years, i couldnt get one either

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[Anonymous]

Citi is the only creditor with a pre quality tool that never gives me offers . It's always " we have no offers for you at this time" . Chase offers me almost all their cards on the pre quality tool .

[sobeone1]

dey hate me 2 even though I never apped for them, well maybe home depot when I had no credit but I can never get a pre approved offer. I just have a filling dem and amex hates me, and my dog doesnt like dem either, nuff said

[blessed-man1980]

I didn't know Citi look for high scores  !!!!!!!!..My scores are 702,685 ,696 and I just opened 2 cards with Citi ..Double cash and the BT one ...Both accounts are 2 month old ..I do have one judgment will fall off in  5 months..