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Does Citi give second chances?

Valued Contributor

Re: Does Citi give second chances?

I have read that Citi never 4gets if you discharge one of their accounts in a BK, but you might have a shot since you did pay them back eventually.

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Message 11 of 14
Valued Contributor

Re: Does Citi give second chances?


Dustink wrote:

I have read that Citi never 4gets if you discharge one of their accounts in a BK, but you might have a shot since you did pay them back eventually.


I never had a BK. Just let some of my cards become past due then after they were closed I decided to call them back and settle with them. I opened the cards back in early 2006 then let my  irresponsibility get the best of me going 6-7 months without making payments. Then I contacted them in early 2007 and paid them off. They are just paid/closed CO's which will be coming off my report in about 1.5yrs.

Learning from my past and rebuilding..

BK discharged 1/10/17
scores: EQ 659 | TU 630 | EX 659

QS 3.8K | WF 500 | Cabela's 3k | ACU 500 |

Message 12 of 14
Valued Contributor

Re: Does Citi give second chances?

They may want your business again after they come off your CR's

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Message 13 of 14
Highlighted
Valued Contributor

Re: Does Citi give second chances?


Dustink wrote:

They may want your business again after they come off your CR's


unfortunately, that's what i was thinking as well.

 

guess, i'll just try 4 the Lowe's card early next year after my other GE cards have had some time to age.

Learning from my past and rebuilding..

BK discharged 1/10/17
scores: EQ 659 | TU 630 | EX 659

QS 3.8K | WF 500 | Cabela's 3k | ACU 500 |

Message 14 of 14