Credit Cards

[catzcradle]

Does anyone know what CRA Citi pulls for new apps? Also, any idea on their requirements?

I'm mostly curious about the UPromise Mastercard. They are offering 0% for 12 mo on balance transfers, which would be fantastic.

[cobra19]

My SO applied for and received a CITI rewards card in August - they pulled TU in NY.

[treski]

I waaaaaaant one SOOO bad.

::: kicks former, credit-stupid self :::

[cobra19]

treski - you're on the right track. However, I'd wait until I got to a 650 or 660 before applying.

[Comp5569]

I'd love to get that card as well.  Do you think having a current student loan with citi would help my cause?  its not for a lot, like 7,000.

[treski]

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cobra19 wrote:
treski - you're on the right track. However, I'd wait until I got to a 650 or 660 before applying.

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I don't suppose you know if they are tolerant to baddies??  I still have 3 collections and 2 charge-off ... all paid and all stubbornly staying put, despite my efforts.

[niecey89]

I have a Citi Upromise card (2 yrs now). They pull TU. I have not had an increase since i got it. $2800 limit Denied for high balance

[catzcradle]

Hmm. I wonder what sort of interest rate I'd get with them. My TU hovers right arond 700 (now if I can just get it to go ABOVE that, haha)

I don't need a super high CLI, mostly just interested in a lower rate and the 0% promo on BTs. I've got ~$400 on a department store card with a 22% rate (YUCK) and a small balance on another with 16%. I don't think I'd do it if I couldn't get qualify for the promo. I just bought a car in June though, so maybe I should just put these thoughts out of my head for another 8 months or so

Wonder if I could call them and find out what I qualify for, and if it's not what I want, don't accept the card and just take the small hit from the inquiry? Bad idea, good idea? I don't really NEED more credit right now, just trying to find a way to stop the bleeding from these high interest rates.

[MojaveMoon]

FWIW, a member at another site received a letter saying that BofA is going to issue the Upromise MasterCard now instead of Citi.

Here's a quote:

"The letter says that the program is ending March 2009, but then goes on to say that your have 2 options. Option 1 is to use your card between 11/1-11/30/08, call, or return the bottom little form by 11/30/08. Option 1 gets you the BofA card. Option 2 is to not use your card after 10/31/08 or call Citi before 11/30/08 and tell them you want a replacement Citi card. Option 2 keeps you with Citi.

I don't know if they will pull a new report if you go with BofA. The letter I got did not state if you have to qualify or not."

[Comp5569]

So.. I applied for this card a few days ago.  Last night I got an e-mail from them saying --

" Why we're writing you
 Thank you for applying for the Citi(R) Upromise(R) Platinum
 Select(R) MasterCard(R) account.  We are unable to verify some
 of the required credit information.  To continue
 processing your application, please provide the following
 documentation:

 o   Telephone bill copy must be a residential phone bill,
 dated within the past 60 days, stating your name, mailing
 address and phone number* (Cellular phone bills are
 not acceptable) OR utility bill copy, must be dated within
 the past 60 days, stating your name and mailing
 address.  Can be a water, cable, electric, sewer or gas bill.

 *If the phone bill is not in your name, you must
 also include a copy of a mortgage, bank or credit card
 statement, dated within the past 60 days, that clearly
 states your name and mailing address. "

Anyways.. I don't have any bills in my name.  I recently moved to Fl and am living with family friends.   I just changed my credit card bill to come here.  However, we live in a condo in a country club and you don't pay any bills.  Any idea what I should do?  Try calling them?  Also, does this mean I'm approved and they just want to verify that its me?  Thank you in advance for any advice.