Citi Prestige post BK

[Anonymous]

Has anyone received a citi prestige card or know anyone that has with a 5 year old bk7 showing. Everything else is cleaned up and credit scores are all around 720. Just seeing if there was any chance. lol

[Anonymous]

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@Anonymous wrote:

Has anyone received a citi prestige card or know anyone that has with a 5 year old bk7 showing. Everything else is cleaned up and credit scores are all around 720. Just seeing if there was any chance. lol

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Welcome to MYFico.

First have you checked Citi's preapproval page?  There have been people approved for the card with a 5 year old BK but a lot has to do with the rest of your profile.  Did you include Citi in your BK?

[Anonymous]

citi was not included. I have checked the pre approval site and nothing has come up. I feel like the rest of my profile should be very strong, and i definitely run a ton of spend through my current cards. I have over 90k in personal right now but the csp and fu were both through recon. 

[Anonymous]

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@Anonymous wrote:

citi was not included. I have checked the pre approval site and nothing has come up. I feel like the rest of my profile should be very strong, and i definitely run a ton of spend through my current cards. I have over 90k in personal right now but the csp and fu were both through recon. 

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If that's the only bad thing on your reports and the score you listed are FICO scores, and you don't have a bunch of inquiries, then I'd say go ahead an apply.  Those scores are high enough and the BK is old enough so it's worth a shot if you really want the card.

[jacetx]

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@Anonymous wrote:

Has anyone received a citi prestige card or know anyone that has with a 5 year old bk7 showing. Everything else is cleaned up and credit scores are all around 720. Just seeing if there was any chance. lol

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I was told by the Citi Executive Office that they would automatically deny any applications with a BK on file and no recon if it is not  at least 7 years old. This does not apply to the Citi Retail cards like the Best Buy Visa. YMMV but just a warning.

[Anonymous]

Yeah, thats kind of what I was afraid of. Is it 7 years from filing or discharge? And the EO has no way of escalating to a manager to override the lack of recon? 

[jacetx]

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@Anonymous wrote:

Yeah, thats kind of what I was afraid of. Is it 7 years from filing or discharge? And the EO has no way of escalating to a manager to override the lack of recon? 

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7 years from filing. I should have specified that I did recon through an analyst and was denied. I asked the EO to reconsider and was declined again. That's when I was told that recon would not help as long as the BK is under 7 years.

[Anonymous]

well, i guess i have another year to go. Do they give immediate declines without hard inquiries if I apply? Maybe that will atleast limit the number of inq.

[jacetx]

No, they do an HP every time you apply.