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Frequent Contributor
Posts: 455
Registered: ‎06-08-2008
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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
Posts: 1,922
Registered: ‎06-21-2012
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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 $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
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Contributor
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Registered: ‎11-26-2012
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Re: Easiest Citi Card

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

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Registered: ‎09-25-2011
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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
Posts: 424
Registered: ‎08-31-2007
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Re: Easiest Citi Card

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

Established Contributor
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Registered: ‎07-04-2012
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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
Posts: 1,673
Registered: ‎11-11-2012
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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
Posts: 1,987
Registered: ‎06-25-2012
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Re: Easiest Citi Card

I have the forward and for me its meh but then again im not a student.
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Valued Contributor
Posts: 1,228
Registered: ‎05-10-2012
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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 706, TU FICO 701, EX FICO 706 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $36,700
  • Inquiries (12 Months): EQ 2 TU 1 EX 1 | Most Recent: 1/21/2014
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Regular Contributor
Posts: 223
Registered: ‎12-08-2012
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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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