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Citi Card

Member

Citi Card

Hello. I've been lurking the forums lately and finally decided to jump in and make a user name to join along.

I recently got a Citi Card Thank You Card preapproval..I decided to apply and got the message saying it would take a few days..A few days passed and I was approved for $3500 which surprised me. I wasn't sure what credit report agency they would make their inquiry from. I have had problems getting my Equifax report and my Experian was alright. I just got my Transunion which had a lot things I had to dispute and Citi wasn't on that one.

I know I wouldn't have gotten approved with Equifax but now I am curious as how I was able to get approved with the limit that I did get..One of the last times I got denied for a credit card, they pulled Experian.. I've been reading and searching that Macy's and Citi are somehow in the same boat? Is that true? I do have a Macy's Amex which was my sole card I use for everything and I would pay it often..

I'm still learning a lot and this board has definitely opened up my eyes.

Message 1 of 9
8 REPLIES
Valued Contributor

Re: Citi Card

Welcome!

 

Congrats on the approval. 

 

Citi's pulls seem to be scattered. Some claim it's 100% EQ, while others claim it's a crapshoot between EQ and EX, with a side of TU for some folks. I applied for the Forward card today and they pulled EX for me.

 

FWIW, Macy's and Citi are completely different banks. 

 

Scores 5/15/2016 (clean reports!): TU Walmart FICO: 696 | EQ FICO: 679 | EX AMEX FICO: 680

In my new wallet: American Express Green EMV: PSL $2000 | BankAmericard Cash Rewards Visa EMV: $2500 | Citi AAdvantage Platinum Select World MasterCard: $6400 | Barclaycard Arrival World MasterCard: $1000 | Discover IT: $2500 | Amazon Rewards Visa Signature: $1500 | Chase Freedom: $1500 | Capital One QuicksilverOne MasterCard: $2100 | Target: $2800 | J.Crew $21,550 | Marvel (Captain America) MasterCard: $6000
Message 2 of 9
Valued Member

Re: Citi Card

Congrats!

 

I've read that it can also depend on where you live. I live in Ohio and I've apped Citi 3 times, and they've only pulled EX.


Starting Score (January 2013): TU: 704, EQ: 679, EX: 687
Current Score (September 2013): TU: 741. EQ: 703, EX: 712
Goal Score: 730 Across the Board


Take the myFICO Fitness Challenge
Message 3 of 9
Valued Member

Re: Citi Card

I've applied with Citi 4 times and they've always pulled EX. Im in Cali. You should check out this site If you enter credit company and state it tells you what bureau they pull from: Mod Cut

 

 That site is not allowed to be linked to - MarineVietVet, myFICO moderator

My Wallet: Best Buy Store ($750), Care Credit ($4000) GE Broyll Hill ($6000), Amex Green Card, Citi Dividend MC ($6800), Citi Thank you Preferred ($9800), Amazon Store Card ($2500), Victorias Secret ($1550), Kohls ($600), AF ($1300), Crate and Barrel ($4750) Discover Miles ($5000), Blue Cash Everyday ($3000), Walmart Discover($5800), Target ($500), Blue Cash Preferred(2000) and Chase Freedom($3000), Amex Gold Delta (9200).
Message 4 of 9
Valued Member

Re: Citi Card

So sorry! I did not realize this was not allowed. I'm new!
My Wallet: Best Buy Store ($750), Care Credit ($4000) GE Broyll Hill ($6000), Amex Green Card, Citi Dividend MC ($6800), Citi Thank you Preferred ($9800), Amazon Store Card ($2500), Victorias Secret ($1550), Kohls ($600), AF ($1300), Crate and Barrel ($4750) Discover Miles ($5000), Blue Cash Everyday ($3000), Walmart Discover($5800), Target ($500), Blue Cash Preferred(2000) and Chase Freedom($3000), Amex Gold Delta (9200).
Message 5 of 9
Moderator Emeritus

Re: Citi Card


KG1978 wrote:
So sorry! I did not realize this was not allowed. I'm new!

No problem. There are a few sites that allow any and all tactics for credit repair to be openly discussed no matter how questionable those tactics might be.

Message 6 of 9
Established Contributor

Re: Citi Card

Applied for Citi 3 times. 1 back in 3/2011 and they pulled EQ. 2 on the same day on 7/2012 and they pulled EQ once for both apps.

My dad and one friend also apped for Citi. My dad twice(both EQ) and my buddy once(EQ as well). Btw, We all live in Florida.

Fico Scores: . Walmart TU 748 . Garden 8/19 2014 .

Cap One Journey 500 | Discover IT 500 | GE Home Design 5.6k | GE HHGREGG 5k | Amex Zync NPSL | Amex BCE 6k | Citi Forward 4.2k | Citi Dividend 3k | GE BrandsMart 1k | GE Lowes 8.5k | Discover Walmart 7.5k | Barclays Apple 2.5k | BoA CR 2.7k | CSP 7.2k | Platinum Prestige 5k | IT Chrome 4k | Slate 2.3k |
Message 7 of 9
Member

Re: Citi Card

Thank you all for the welcomes..Smiley Happy  I kind of wished I had looked around at the other citi cards before I applied with this preapproval but I am definitely happy with it so far.

Message 8 of 9
Established Contributor

Re: Citi Card

Congrats, very nice limit to start out with and Citi will grow with you, GL.

 

BOA: 8.9k
CSP: 5k
Discover: 5k
Citi TY Preferd: 5k
Wally: 5k
JCP: 4.9k
citiForward: 4.7k
ChaseFreedom: 4.5k
DFS: 2k
Message 9 of 9