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Frequent Contributor
Scuba
Posts: 455
Registered: ‎06-08-2008
0

Easiest Citi Card

Board members are always asking what is the easiest AMEX or Chase card to get but what is the easiest Citi card to get?

 

I am thinking of applying sometime in 2013 and they don't like me.

 

Valued Contributor
j_casteel
Posts: 1,905
Registered: ‎06-21-2012
0

Re: Easiest Citi Card


Scuba wrote:

Board members are always asking what is the easiest AMEX or Chase card to get but what is the easiest Citi card to get?

 

I am thinking of applying sometime in 2013 and they don't like me.

 


YMMV, but you could try checking out whogavemecredit.com and searching Citi and see what are some of the lowest scores that people had and were approved. *scroll to the bottom for the most recent entries*

| Walmart $5k | Amazon $5k | NFCU $19.5k | NLOC $15k | Lowes $17k | BoA $15k | Freedom $3k | IT $4k | CSP $5k | Marriott $5k | AMEX TE $9k | Alaska $5k |
Starting Scores: EQ:571 EX:??? TU:597
Current Scores: EQ:694 EX:709 TU:703
Goal Scores: 700
across the board
Contributor
nickn86
Posts: 130
Registered: ‎11-26-2012
0

Re: Easiest Citi Card

Probably the Forward.  It may also be their best card.

Chase Sapphire Preferred - 5.6k (3/13) | Amex Premier Rewards Gold - NPSL (1/13) | Chase United MileagePlus Explorer Visa Signature - 9k (1/13) | Amex Delta Gold - 6k (9/12) | Citi Forward Visa - 10k (10/12) | Discover It - 2k (2/12) | Chase +1 Visa - $300 (2/11)
Established Contributor
distantarray
Posts: 2,112
Registered: ‎09-25-2011
0

Re: Easiest Citi Card


nickn86 wrote:

Probably the Forward.  It may also be their best card.


Forward coupled with Preferred or Premier makes it the best card by far.

 

Foward = 0.8%   + Preferred = 1% per point (no annual fee)

Forward + Premier = 1.33% per point for travel   ($120 annual fee)

 

So I recommend hoarding Forward points for a while then getting the other ones, but Forward is a good card made for students, it replaced the MTV card which was primarily for students.  Hence why the rewards are for dining out, movies, bookstores, music (amazon is classified as a bookstore :smileywink: it beats out even the Amazon cards at 3%

 

So Forward would probably be the easiest way in.


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Frequent Contributor
Mellon
Posts: 339
Registered: ‎08-31-2007
0

Re: Easiest Citi Card

Citi wants nothing to do with me....LOL

| NFCU Cashrewards $14,000 | NFCU Platinum $12,000 | NFCU Navchk $10,000 | Amex BCE $3,000 | Amex HHonors $1,700 | Chase Freedom $3,300 | Chase Sapphire Preferred $5,000 | BOA 3-2-1 $5,000 | Barclays Apple $4,450 | CapOne Quicksilver $1,000 | OCCU Beaver $5,000 | CITI Diamond Preferred $2,500| Citi TYP $5,000 | GTE FCU $3,000 | | Discover IT $3,500 | Walmart Discover $8,000 | NCSECU $750 | NASA FCU $2,000| Chase Slate $4,000 | Barclays Reward MC $1,500| Best Buy $3,000 | Wells Fargo $3,000 | Chase Amazon $3,000
Established Contributor
CruzImperial
Posts: 867
Registered: ‎07-04-2012
0

Re: Easiest Citi Card

One more vote for forward
Fico Scores: . Walmart TU 748 . Garden 8/19 2014 .

Cap One Journey 500 | Discover IT 500 | GE Home Design 5.6k | GE HHGREGG 5k | Amex Zync NPSL | Amex BCE 6k | Citi Forward 4.2k | Citi Dividend 3k | GE BrandsMart 1k | GE Lowes 8.5k | Discover Walmart 7.5k | Barclays Apple 2.5k | BoA CR 2.7k | CSP 7.2k | Platinum Prestige 5k | IT Chrome 4k | Slate 2.3k |
Valued Contributor
bs6054
Posts: 1,673
Registered: ‎11-11-2012
0

Re: Easiest Citi Card


j_casteel wrote:

 


YMMV, but you could try checking out whogavemecredit.com and searching Citi and see what are some of the lowest scores that people had and were approved. *scroll to the bottom for the most recent entries*


How reliable is whogavemecredit?   Credit Karma offers a similar list but is actually pulling scores (albeit FAKOs) from people on their site who have that card.   I don't know how accurate that is either (not sure how they would know the score at time of application for that card, unless they only count apps through the site) and it has a bias (those on CK) but is whogavemecredit just self-reporting?

Valued Contributor
jsickz32
Posts: 1,987
Registered: ‎06-25-2012
0

Re: Easiest Citi Card

I have the forward and for me its meh but then again im not a student.
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Valued Contributor
Jutz
Posts: 1,216
Registered: ‎05-10-2012
0

Re: Easiest Citi Card

Whogavemecredit is just self reported, so it's as reliable as the people who leave the feedback. Too often I see people not posting the actual bureau pulled and just a bunch of FAKOs

  • Current: EQ FICO 694, TU FICO 695, EX FICO 698 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $29,500
  • Inquiries (12 Months): EQ 6 TU 3 EX 6 | Most Recent: 1/21/2014
Chase Freedom $5000
DCU Visa $10000
Capital One QS $2000
AMEX BCE $1000
Lowe's CC $8500
WalMart CC $2400
BOA Platinum $600
AMEX Gold NPSL
Regular Contributor
sengpatt
Posts: 223
Registered: ‎12-08-2012
0

Re: Easiest Citi Card


distantarray wrote:

nickn86 wrote:

Probably the Forward.  It may also be their best card.


Forward coupled with Preferred or Premier makes it the best card by far.

 

Foward = 0.8%   + Preferred = 1% per point (no annual fee)

Forward + Premier = 1.33% per point for travel   ($120 annual fee)

 

So I recommend hoarding Forward points for a while then getting the other ones, but Forward is a good card made for students, it replaced the MTV card which was primarily for students.  Hence why the rewards are for dining out, movies, bookstores, music (amazon is classified as a bookstore :smileywink: it beats out even the Amazon cards at 3%

 

So Forward would probably be the easiest way in.


Hi. I asked this on another thread, but I was just curious about the Forward + TY Preferred combo. How exactly does getting the Preferred add to the value of TY points earned on the Forward. I am planning an app spree in the near future and would love to hear how this works.

EX: 758 (10/12), TU: ???, EQ: ???

BankAmericard Travel Rewards // Citi Forward // Amex Blue Cash Preferred // Gap Visa

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