Credit Card Center Advertiser Disclosure†
01-19-2013 07:22 AM
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?
01-19-2013 04:49 PM
My parenst just have Sears Platinum MasterCard(backed by CITI), my mom applied for Diamond Preferred last year and was denied, so IDK
01-19-2013 05:01 PM
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.
01-20-2013 10:52 AM
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....
01-22-2013 03:46 PM
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.
02-07-2013 08:41 PM
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:
I was approved for all of them.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.