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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 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
Seems like Citi likes throwing marketing money away then.
Good job on the post BK rebuild though
there garbage my wife has under a 600 for her Ficos and the send them to her
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
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!!!