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CITI PLATINUM SELECT QUESTIONS

Regular Contributor

CITI PLATINUM SELECT QUESTIONS

What credit bureau does citi pull in Illinois for their platinum select card and are they baddie friendly? I have a charge off  from 2005 that that  will be paid in full by next month and i am expecting a signicant rise in score. So Please if anyone knows or has applied for this card, your insight would be helpful.

Eq WAS 500+ three years ago NOW IM 683 and Trans WAS ALSO 500+ NOW IM SITTING AT 710
700 You better be on the LOOK OUT(OOPS GUESS THEY WEREN'T LOOKING CAUSE I ALREADY MADE IT YAAAAYYYYYYYY)
Message 1 of 6
5 REPLIES
Contributor

Re: CITI PLATINUM SELECT QUESTIONS

I just recently applied for this card. I was declined online, but when I called for a recon I was approved. The reason why I was originally declined was because I had 0 balance on my revolving accounts. The lady that I talked to thought that was a silly reason since it showed my other accounts such as car loans all in good standing so she approved me. I believe they pulled Experian for me(I'm in PA). The only thing I had on my Experian report that would be considered a baddie is a paid tax lien in the public records portion that's over 2 years old. My score was 730.

      
       
Message 2 of 6
Established Contributor

Re: CITI PLATINUM SELECT QUESTIONS

They've pulled EX on both of my Citi cards.  I have no baddies though and a EX fico around 780.  I'd call them if you need more info.  I've been lucky with very friendly CSRs.

CCs: Chase Freedom VS 12.9k, CSP VISA Sg 13k, BofA Amex 24.5k, Discover 12.5k, US Bank Cash+ Visa Sg 17k, Macy's Amex 8k/1.5k, Gap Visa 10k, Best Buy 11.1k, Citi TY MC 10.8k, Citi AA Amex 6k, Nordstrom VS 10k, Costco Amex 12k, BofA CR VS 5k, Amex BCP 13.5k, Amex ED 5k, Sears MC 9k, HD 7k, Target 600, Amazon 7k, US Bank MC 15k, US Airways MC 8k, NFL Visa 4k, Patelco Visa 10k, Penfed PR VS 44.6k, Chase Hyatt VS 8k, Citi Simplicity 13.3k, PayPal MC 7.5k, BBVA Visa 4k, WF VS 14k, FNBO Amex 14.1k, OCCU VISA 15k, TR Visa Sg 16.3k, C1 QS Visa 11k, FRN MC 15k, HSN 4k, Saks WEMC 10k/4k, Chase Ink 18k, Arrival WEMC 10k, Ebates VS 8k, Orbitz VS 12k, NASA V 30k, USBk FP VS 21.5k, DC 30k, VirgAm 15k, Sams MC 15k, Amex Bz Gold, Amex SC 10k, BofW Bz MC 18k
Message 3 of 6
Regular Contributor

Re: CITI PLATINUM SELECT QUESTIONS

What if i have my experian report  locked would that be a problem? Or could they pull one of the other 2 credit bureaus.

Eq WAS 500+ three years ago NOW IM 683 and Trans WAS ALSO 500+ NOW IM SITTING AT 710
700 You better be on the LOOK OUT(OOPS GUESS THEY WEREN'T LOOKING CAUSE I ALREADY MADE IT YAAAAYYYYYYYY)
Message 4 of 6
Established Contributor

Re: CITI PLATINUM SELECT QUESTIONS

You can always try it and see what happens.  If the app pends, you can call them to see what happened and if they need you to unlock EX.

CCs: Chase Freedom VS 12.9k, CSP VISA Sg 13k, BofA Amex 24.5k, Discover 12.5k, US Bank Cash+ Visa Sg 17k, Macy's Amex 8k/1.5k, Gap Visa 10k, Best Buy 11.1k, Citi TY MC 10.8k, Citi AA Amex 6k, Nordstrom VS 10k, Costco Amex 12k, BofA CR VS 5k, Amex BCP 13.5k, Amex ED 5k, Sears MC 9k, HD 7k, Target 600, Amazon 7k, US Bank MC 15k, US Airways MC 8k, NFL Visa 4k, Patelco Visa 10k, Penfed PR VS 44.6k, Chase Hyatt VS 8k, Citi Simplicity 13.3k, PayPal MC 7.5k, BBVA Visa 4k, WF VS 14k, FNBO Amex 14.1k, OCCU VISA 15k, TR Visa Sg 16.3k, C1 QS Visa 11k, FRN MC 15k, HSN 4k, Saks WEMC 10k/4k, Chase Ink 18k, Arrival WEMC 10k, Ebates VS 8k, Orbitz VS 12k, NASA V 30k, USBk FP VS 21.5k, DC 30k, VirgAm 15k, Sams MC 15k, Amex Bz Gold, Amex SC 10k, BofW Bz MC 18k
Message 5 of 6
Frequent Contributor

Re: CITI PLATINUM SELECT QUESTIONS

 


LILMAN8406 wrote:

What if i have my experian report  locked would that be a problem? Or could they pull one of the other 2 credit bureaus.


They may pull both of the other credit bureaus.

 

TU - 737 - 02/21/09, 769 - 02/06/10, 795 - 09/08/10
EQ - 758 - 02/21/09, 783 - 02/06/10, 805 - 09/08/10
EX (PLUS) - 781 03/23/09, 787 - 02/06/10, 783 - 08/09/10
Message 6 of 6