11-19-2013 04:05 PM
11-19-2013 04:29 PM - edited 11-19-2013 04:29 PM
11-19-2013 06:10 PM
11-19-2013 06:25 PM
Sorry - your profile is simply to thin or with limited experience for Citi's liking - not BS. If your reconsideration efforts were futile, then just let it be since they will not bend. Just business, nothing personal. Citi prefers that you have an established history before they can open the doors for you, exception being if you were going the student card route. Of course you're welcome to try again if anything in another 6-12 months.
11-19-2013 07:09 PM
11-19-2013 08:02 PM
11-19-2013 08:03 PM
11-19-2013 08:27 PM - edited 11-19-2013 08:28 PM
I am also curious about this thread. Adding a Citi card to my portfolio is the last one I want for now. I also have a limited history, but I do have many accounts (17 credit cards, an auto loan, and student loans). My Experian score is sitting at around 700. I am a student, but I also have a great income to work with. If I applied for the student card, would that hinder me later on when I am eligible for higher limits? I really want the ThankYou Prferred card, because I cannot stomach another AF card....
You may need to build more on the history if your AAoA is less than a couple years old and not to mention any recently acquired CCs and inquiries. Typically, and although any U/W criteria can change, you would need a score north of 700 to qualify for the Citi TYP (they can pull any of the 3 CRAs), in addition to other factors that would be considered for creditworthiness. As far as the array of Citi student CCs, the CLs would be limited from growing at a specific point since those are targeted CC programs unlike the other mainline CCs.
11-19-2013 08:36 PM
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