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Regular Contributor
Posts: 249
Registered: ‎12-24-2012
0

Are Subsequent Citi Cards Easier?

I know from experience and having read other posters tell of their app experience with Citi that they can decline an app for what seems like crazy reasons.  I've been declined many moons ago for no accounts with a balance, too many accounts with a balance, too few accounts and even too many accounts in my credit report.

 

Now that I have had  a Citi card for a few years, is it easier to get approved for subsequent cards or do I still have to make sure there is at least one account showing a balance and not more than three?

Senior Contributor
Posts: 4,000
Registered: ‎10-02-2012
0

Re: Are Subsequent Citi Cards Easier?

My parenst just have Sears Platinum MasterCard(backed by CITI), my mom applied for Diamond Preferred last year and was denied, so IDK


Banking with Citi Bank & HSBC, Age: 21
No Credit Cards(Filed current CCs), No Mortgage, No Auto Loan. Starting Fresh.
Filed & Signed Chapter 7 Bankruptcy 03/29/16, 341 Meeting 05/03/16, Discharged --/--/--
Starting scores as of 03/30/16 EX FICO 452, EQ FICO 442, TU FICO 449
Current scores as of 04/27/16 EX FICO 455, EQ FICO 450, TU FICO 441, Gardening Since 01/01/16
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Contributor
Posts: 84
Registered: ‎02-14-2011
0

Re: Are Subsequent Citi Cards Easier?

From my recent experience I've had no problem beince accepted for addional citi cards after establishing a relationship with them. I have had a plat select card for 2 years and this past month was approved a TY preferred and their AA card with no issues. Also the AA card was a signature card and gave me my highest limit. Just  a note was I kept receiving mailed pre-approved offers so decided to app. YMMV but just thought that this info might help you.

Super Contributor
Posts: 7,193
Registered: ‎12-11-2011
0

Re: Are Subsequent Citi Cards Easier?

I think a second card with any lender would be easier to get, provided you treat the first card well, and don't have too much credit from them.
Established Contributor
Posts: 727
Registered: ‎01-13-2013
0

Re: Are Subsequent Citi Cards Easier?

I remember I was declined for the 76/citi gas card first and the reasons were

 

could not verify identity

 

when I called back the asked me a couple questions and told me I was approved

 

then I got another letter saying denied because of a "non working home phone number"  I was WTH?  so i called them back an a supervisor apologized and told me i was approved. funny....

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Starting:TU:536 EXP:561 : EQ:552 Current:TU:680 Walmart (2-15-14)EXP:712 FICO!! (12-4-13):EQ:622 (FICO 2-6-14) Uti 27% Goal: 720 By 12-13.
Valued Contributor
Posts: 1,367
Registered: ‎04-20-2012
0

Re: Are Subsequent Citi Cards Easier?

It's definitely a YMMV thing, but some people have reported being able to reallocate credit lines in order to take on a new credit card when you're at the max Citibank aggregate limit (based primarily on your income). So, the ideal strategy might be to go for a big Citi CLI on your existing card, then when you apply for a new one you would have that much more credit to allocate/split.

TU FICO: 800 (2/1/14) | CK Score: 802 (2/1/14) | CS Score: 805 (2/1/14)

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Member
Posts: 5
Registered: ‎07-31-2008
0

Re: Are Subsequent Citi Cards Easier?

I would definitely say that it is.

 

Back in December, I applied for Sears and Home Depot cards. DENIED (for too many inquiries). This was on my EQ with over 36 inquiries.

 

I then applied for a Citi AA Signature card. Approved after verifiying my identity.

 

At the end of January I applied for the following:

 

Zales

Goodyear

Staples

Home Depot

Sears

 

I was approved for all of them.

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