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Valued Contributor
Posts: 3,099
Registered: ‎10-02-2012
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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%
Valued Contributor
Posts: 1,922
Registered: ‎06-21-2012
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Re: Does Citi give second chances?

[ Edited ]

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.

| Walmart $5k | Amazon $5k | NFCU $20k | NLOC $15k | Lowes $17k | BoA $15k | Freedom $3k | IT $5.25k | CSP $5k | Marriott $5k | AMEX TE $18k | Alaska $5k |
Starting Scores: EQ:571 EX:??? TU:597
Current Scores: EQ:694 EX:714 TU:711
Goal Scores: 700
across the board
Valued Contributor
Posts: 3,099
Registered: ‎10-02-2012
0

Re: Does Citi give second chances?

[ Edited ]

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%
Valued Contributor
Posts: 1,922
Registered: ‎06-21-2012
0

Re: Does Citi give second chances?

[ Edited ]

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.

| Walmart $5k | Amazon $5k | NFCU $20k | NLOC $15k | Lowes $17k | BoA $15k | Freedom $3k | IT $5.25k | CSP $5k | Marriott $5k | AMEX TE $18k | Alaska $5k |
Starting Scores: EQ:571 EX:??? TU:597
Current Scores: EQ:694 EX:714 TU:711
Goal Scores: 700
across the board
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