Credit Cards

[Creditaddict]

Okay so declined for BK and INQ... I have not heard that the BK would really be a problem after so many years and INQ is fair... he said I could pull my EX and write in to have it reviewed if I think I deserve it.... is that worth it? Any number to call that I can do that over the phone?

I was quite impressed that he never said a "letter is on it's way to tell you why, I can't! blah stuff I hate hearing!

Further more I figured EX Pull but asked and he confirmed and then I stepped out where I REALLY thought he would read some line and asked score, to my jaw dropping on floor he came back with 692!

692!!!! WHAT???! The only thing I could think of is "WHAT, 692 and I didn't get approved!!? HAHA  That is about I don't know 60+ points higher then I would have ever guessed!  Should I apply for Home Depot? or who else? would the bk matter less?

I have always shyed away from EX pullers because to my knowledge it's always been my worst... I think it might be my best now!

[rudy0720]

I had a BK in Aug 2004 discharged Dec 2004 so 8 years npw. I have been approved for 4 Citi cards this year with CL's from $4100 to $12,000.

Hope that helps

[drkaje]

Ex may have the fewest inquiries.

Don't forget to get your free credit report from Ex.

[pkhuu78]

I also filed for BK back in 2004.  Just got approved for Citi TY and Citi Hilton Hhonnors Reserve this month.

Try this:

Executive Review Department

P.O. Box 6000

Sioux Falls, SD 57117

718-248-6433

[Creditaddict]

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pkhuu78 wrote:

I also filed for BK back in 2004.  Just got approved for Citi TY and Citi Hilton Hhonnors Reserve this month.

Try this:

Executive Review Department

P.O. Box 6000

Sioux Falls, SD 57117

718-248-6433

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WOW THANKS!

They are closed but I left a message and I might just follow up tomorrow "afternoon" if I don't hear from them in the "morning" as the vcmail says!

[pkhuu78]

good luck and let me know..

[sandman2435]

I just applyed and got approved for $11,000...for the same card...had to call the backdoor number and after a 3 minute hold..I had a BK7 in july of 2003...This is my second citibank card in 3 months...4 free nights after spending $2500.00 within 4 months ...sounds like a very good deal to me

[sandman2435]

I think the co-branded cards are easier to get..As I seem to get turned down for the others..Like the thank you cards and the ones that offer 15 to 18 months 0% intrest free..Which is fine with me..as I don't have any balances on any cards..U get more free stuff with the co-branded cards

[bamagirl1]

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rudy0720 wrote:

I had a BK in Aug 2004 discharged Dec 2004 so 8 years npw. I have been approved for 4 Citi cards this year with CL's from $4100 to $12,000.

Hope that helps

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Rudy-Did you have to recon any of your apps or were they automatic approvals? Creditaddict let me know how phone call goes etc. I was declined for inquiries. I may also attempt to conact via mail as sometimes I can articulate what I want to say better on paper than over the phone. Has anyone had success calling the number or writing a letter?

[LS2982]

I want a Citi card!!!!!