Citi Thank You Preferred Offer in the mail

svtthis · ‎07-09-2012

I received a offer from citi today that I was really shocked to see. Here is a background on my credit file. I filled BK this year in january and in march I was discharged, I have had a cap 1 secured card since january, a credit one since june and recently a merrick bank in august all of this year. I have a age of account of 4 years. I have one car loan through santander.

Since BK I have never been late on anything. But i'm thinking that this citi offer is a bit premature for me to approved for. What does everyone else think? I don't thnk I should apply for it but it sure is nice to see offers like this coming in.

jsickz32 · ‎06-25-2012

My dad was discharged from bk chapter 7 09.
Hes been gettin offers from citi monthly. Hes applied for them 3 times and every time hes denied for BK.

Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / BofA Total rewards (2500) / BofA Amex (3900) / Bofa cash rewards (5700) / BofA Privileges Cash Rewards (5000) / Citi Forward (3000) / Chase Freedom (3500) / Discover IT (1700) / FNBO AMEX (3600) / Barclays Apple Visa (3960) / NFCU cashRewards Visa signature (12500) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (601) / PayPal Smart connect (2200)

svtthis · ‎07-09-2012

jsickz32 wrote:
My dad was discharged from bk chapter 7 09.
Hes been gettin offers from citi monthly. Hes applied for them 3 times and every time hes denied for BK.

Thanks for the info

Dustink · ‎10-02-2012

Seems like Citi likes throwing marketing money away then.

Good job on the post BK rebuild though

Too many INQs & low AAoA so I'm off to tend the Garden. Age:21 EQ: 642 TU: 677 EX: 665

$14k $8.5K $7.5k $7.5k $6.5k $6k $5k $5k $5k $5k NPSL @ 0%

beb86 · ‎10-31-2011

there garbage my wife has under a 600 for her Ficos and the send them to her

rudy0720 · ‎08-10-2012

I have an 8 year old Chapter 7 BK. I ahve gotten 4 Citi Cards this year with 35K of credit lines. Citi was not included in my Chapter 7 so maybe that is why they approved. Capital One does not discriminate with BK with as long as they were not included in BK

Citi Thank You Premier Visa Signature-$9K, Citi Thank You Preferred Vis Signature-$8.3K, Citi AA Signature- 8.5K, Citi Simplicity 9.2K, Citi Diamond-6.1K, Chase Southwest Visa Signature-6K, Discover IT-$ 7K, Capital One-$5K, Capital One-$4K, Lowes-$10K

sccredit · ‎09-14-2012

I wouldn't waste the inquiry. Your BK is way too new for an approval. Sounds like Citi's pre-approval guidelines need to be fixed!!!

$97,500 Revolving Credit Lines
Credit Scores: EX 728 EQ 724 TU726

Credit Cards

Citi Thank You Preferred Offer in the mail

Re: Citi Thank You Preferred Offer in the mail

Re: Citi Thank You Preferred Offer in the mail

Re: Citi Thank You Preferred Offer in the mail

Re: Citi Thank You Preferred Offer in the mail

Re: Citi Thank You Preferred Offer in the mail

Re: Citi Thank You Preferred Offer in the mail