Credit Profile needed for Citi???

[sandman2435]

I have been approved four 4 citi cards in the past 12 months. The last one just 2 weeks ago, with 12 Inquries in a 6 month period . But I have a very thick file and long history

[nvrgvupnvrsrndr]

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@sandman2435 wrote:
I have been approved four 4 citi cards in the past 12 months. The last one just 2 weeks ago, with 12 Inquries in a 6 month period . But I have a very thick file and long history

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What's the minimum score they want to see?

[NCGirl]

My score when they pulled was 701... aaoa 7 years and I had 10 inquires with three of those being from 2013. I was instantly approved for the Citi Dividend but with only a 2,000 limit. I called and complained about the limit, but they wanted to do another hard pull in order to raise it. So, I just decided to wait 6 months and then revisit it.

[maiden_girl]

When I apped a few months ago, my credit score was 710 but I had over 20 inquires (auto loan shopping) and my application was subsequently denied. My AAoA is 2 years. All I know is that Citi doesn't like baddies and they are seriously inquiry sensitive...no matter how old the inquiry is.

[revvystoke]

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@bluesnowman wrote:

As far as I know and I have read

Score- 700+

AAOA- Not sure

Inquiries- 3-4 (they are pretty inquiry sensitive.) and have pretty narrow parameters for approval.

Bad/lates- Don't like them. At. All. Avoid apping with Bad/lates unless they are really old.

They are pretty tough cookie to crack and their CS is average. They like to see small balances like all companies and refuse to budge on that. Out of those cards mentioned, the Dividend is easiest to get, Diamond is probably the most difficult of the three. They also allow 2 applications per 60 days. 

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I had 6 recent inq's (1 within the last 12 months and 5 within 30 days) It was an instant approval with Citi and they were the last place I app'd for in my aor. 

[enharu]

From what I've seen, Citi seems to be extremely strict on applicant with thinner files, with the exception being their student card. 

For everyone else they don't seem to be that hard to get, as long as theres no major derogs or a very high number of inquiries. 

When I applied 2 of my new accounts were already reporting, if I remember correctly. They seemed to be okay with it.

[RSCo]

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@nvrgvupnvrsrndr wrote:

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@HiLine wrote:

The only thing negative about your profile is the paid judgment then. Since it will be around for a while, I would suggest you apply for the card you really want then if denied try recon and explain the judgment. In the grand scheme of things, an additional inquiry is going to have very minimal impact. Getting in with Citi with a high credit limit, on the other hand, will be tremendously helpful for your rebuilding process. After this application, you probably want to spend some time in the Garden.

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Given my profile what are the odds?  I know my Chase Sapphire is now reporting but I'm not sure my AMEX PRG or Freedom have showed yet.

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I would say give it a shot.. 

I just received another card from them about a month ago.. Their AAdvantage Platinum Visa Sig with a 5k CL.  At the time I had.

MyFico - 700

AAoA - 7.2yrs

InQuiries - EQ 13, EX 12, TU 6

Overall Utils - 14%

I've opened 10 new accounts since Jan..

I have an unpaid judgment on my file from 2007 and at the time I app'd, I had a foreclosure, but that just dropped off my report a couple days ago.. But at the time, It was still listed on my credit. Had ZERO late pays on any of my accounts..

[gettnthere]

http://ficoforums.myfico.com/t5/Credit-Cards/To-try-for-a-Citi-card-or-not/m-p/1731882#M481875

^^This is from my post back in October when I was approved for my citi forward visa.

[nvrgvupnvrsrndr]

Denied for AMEX BCE yesterday. Current FICO's EX 715, EQ and TU 671. Which one should I go for? I think I'd like the Citi Thank You Preferred but is it easier to get a Dividend?

[dodfire]

You never know until you try...my score was about the same as yours when I got my Citi Cards....Foreclosure from 2008...Late payments 2010.....