Easy citi

[corymcd88]

What is the easyest credit card to get with citi with one charge off from '09.

[halos24]

Not sure if it is the easiest, but I recently was approved last month for the Citi Thank Visa (received pre-approval in the mail).  I had a charge off from Target card back I want to say 2008 (paid in full after) and bk 7 fall off my reports this month.  I was surprised to be approved but only applied because I received the pre-approval and my scores had improved.  When I applied they were higher than the ones you see below (with the new Citi Card and new car loan sort of took a dip).  I was approved for $1500.

[mmduluth]

I may be wrong but from reading around these boards it sounds like Citi is one of those who blacklist. Was your CO with them?

[corymcd88]

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@mmduluth wrote:

I may be wrong but from reading around these boards it sounds like Citi is one of those who blacklist. Was your CO with them?

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No.

[trumpet-205]

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@corymcd88 wrote:
What is the easyest credit card to get with citi with one charge off from '09.

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Looks like you have a lot of credit accounts already. What is your AAoA and how many inquries do you have? Perhaps Ctit Forward has lower requirement for approval although do you really need a new CC at this point?

[Anonymous]

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@trumpet-205 wrote:

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@corymcd88 wrote:
What is the easyest credit card to get with citi with one charge off from '09.

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Looks like you have a lot of credit accounts already. What is your AAoA and how many inquries do you have? Perhaps Ctit Forward has lower requirement for approval although do you really need a new CC at this point?

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I agree, Citi is inquiry sensitive and you have a lot of accounts already. You may be better off gardening what you have for awhile and being in a better position to get in with Citi with a good CL a year from now.

I'm not sure which cards are easier to get but maybe the ones where they also offer a student version - Dividend and Forward? However, their cards have a broad range of APRs based on creditworthiness so maybe just apply for the one that's most useful to you since you could get approved but with a higher APR.

[xboxrunner]

I hear the Citi Forward is a good first Citibank card. It has decent rewards so consider giving it a shot.

[AF_23]

Simplicity or Forward i would imagine. Id make sure nobody sees your EQ report in which they always pull, because they are very INQ sensitive

[LS2982]

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@trumpet-205 wrote:

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@corymcd88 wrote:
What is the easyest credit card to get with citi with one charge off from '09.

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Looks like you have a lot of credit accounts already. What is your AAoA and how many inquries do you have? Perhaps Ctit Forward has lower requirement for approval although do you really need a new CC at this point?

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+1

[jrodzmc09]

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@LS2982 wrote:

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@trumpet-205 wrote:

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@corymcd88 wrote:
What is the easyest credit card to get with citi with one charge off from '09.

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Looks like you have a lot of credit accounts already. What is your AAoA and how many inquries do you have? Perhaps Ctit Forward has lower requirement for approval although do you really need a new CC at this point?

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+1

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+2.. no need for too much cc's!