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Contributor
svtthis
Posts: 116
Registered: ‎07-09-2012

Citi Thank You Preferred Offer in the mail

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.

Valued Contributor
jsickz32
Posts: 1,987
Registered: ‎06-25-2012

Re: Citi Thank You Preferred Offer in the mail

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 / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / 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 (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Contributor
svtthis
Posts: 116
Registered: ‎07-09-2012

Re: Citi Thank You Preferred Offer in the mail

 


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

Valued Contributor
Dustink
Posts: 2,980
Registered: ‎10-02-2012

Re: Citi Thank You Preferred Offer in the mail

[ Edited ]

Seems like Citi likes throwing marketing money away then.

 

Good job on the post BK rebuild though :smileyhappy:

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:21    


     $14k          $8.5K          $7.5k          $7.5k         $6.5k             $6k             $5k            $5k             $5k              $5k           NPSL       @ 0%
Valued Contributor
beb86
Posts: 1,117
Registered: ‎10-31-2011

Re: Citi Thank You Preferred Offer in the mail

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

ccpics2.jpg
Regular Contributor
rudy0720
Posts: 157
Registered: ‎08-10-2012

Re: Citi Thank You Preferred Offer in the mail

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, Chase Sapphire Preferred- $ 5K, AMEX BCE $14.5K, AMEX Starwood Preferred $15K, AMEX Hilton Honors $15K,AMEX Everyday-$10K, Fidelity Amex-$10K
Established Contributor
sccredit
Posts: 770
Registered: ‎09-14-2012

Re: Citi Thank You Preferred Offer in the mail

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!!!

Mortgage $299k/$310k
Autos Loans $49.5k/$60k
Unsecured Lines $157.2k

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