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Established Contributor
corymcd88
Posts: 901
Registered: ‎12-12-2011
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Easy citi

What is the easyest credit card to get with citi with one charge off from '09.
Walmart / SYNCB - 4,500/7,500 | JCP MasterCard / SYNCB - 4,000 | Dillard's / Wells Fargo - 5,000 | Amazon / SYNCB - 1,500 | Chevron / SYNCB - 1,000 | Belk / SYNCB - 3,000 | Aeromexico Visa / US Bank - 300 | Capital One - 500/3,700 | Bank Of America 123 Cash Back - 2,500 | Wells Fargo - 300 |AMEX ZYNC - NPSL | AMEX Hilton HHonours - 2,000 | USAA AMEX - 250 | PenFed Platinum Rewards Visa Signature - 18,400 | PenFed Travel Rewards AMEX - 5,000.
Frequent Contributor
halos24
Posts: 389
Registered: ‎09-07-2009
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Re: Easy citi

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.

My current scores: MyFico- EQ: 8/13- (648), 8/13- EX (637), Wally TU (666)

Prime cards in my wallet: Citi Thank You (1500), Amex TE (1200), Amex Zync.
Frequent Contributor
mmduluth
Posts: 320
Registered: ‎05-17-2011
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Re: Easy citi

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?

EQ FICO - 718 - 01/10/2012 EX FICO - 732 - 04/28/2012 (AMEX)

Cap1 Platinum (1000) Macy’s (2000) Chase Freedom (3000) Kohls (600) Best Buy (2700) Amex BCE (8200) Chase Sapphire (5000) CarCare1 (1600) Discover IT (4000)
Established Contributor
corymcd88
Posts: 901
Registered: ‎12-12-2011
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Re: Easy citi


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?



No.

Walmart / SYNCB - 4,500/7,500 | JCP MasterCard / SYNCB - 4,000 | Dillard's / Wells Fargo - 5,000 | Amazon / SYNCB - 1,500 | Chevron / SYNCB - 1,000 | Belk / SYNCB - 3,000 | Aeromexico Visa / US Bank - 300 | Capital One - 500/3,700 | Bank Of America 123 Cash Back - 2,500 | Wells Fargo - 300 |AMEX ZYNC - NPSL | AMEX Hilton HHonours - 2,000 | USAA AMEX - 250 | PenFed Platinum Rewards Visa Signature - 18,400 | PenFed Travel Rewards AMEX - 5,000.
Valued Contributor
trumpet-205
Posts: 2,505
Registered: ‎11-11-2010
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Re: Easy citi


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

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?

In My Wallet:
Citi Forward (12/2010) | Citi Dividend (05/2011) | Chase Freedom (11/2011) | GECRB/PayPal (05/2012)
Discover it (07/2012) | AMEX BCP (09/2012) | TD/Target REDCard (10/2012) | Chase Ink Classic (11/2012)
BofA BBR (04/2013) | FNBO/Overstock.com (02/2014) | Barclaycard Arrival (04/2014) | FIA/Fidelity AMEX (04/2014)
Established Contributor
dyv8914
Posts: 825
Registered: ‎12-28-2011
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Re: Easy citi


trumpet-205 wrote:

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

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?


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.

Contributor
xboxrunner
Posts: 139
Registered: ‎05-30-2011
0

Re: Easy citi

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


Experian (CreditSesame)- 823 (8/2/14), 761 (Citi-4/26/13), 823 (Credit.com-8/2/2014)
Equifax Fico (MyFico) Fico- 745 (7/15/11)
Transunion (Credit Karma)- 790 (8/2/14)
Vantagescore (Credit Karma)- 896 (8/2/14)
Vantagescore 3.0 (credit.com)- 805 (8/2/14)
Frequent Contributor
AF_23
Posts: 288
Registered: ‎02-06-2012
0

Re: Easy citi

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

Mega Contributor
LS2982
Posts: 15,436
Registered: ‎04-09-2011
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Re: Easy citi


trumpet-205 wrote:

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

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?


+1




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Contributor
jrodzmc09
Posts: 81
Registered: ‎07-02-2012
0

Re: Easy citi


LS2982 wrote:

trumpet-205 wrote:

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

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?


+1


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

USAA PLATINUM MC: $9.5k | CHASE SAPPHIRE PREFERRED: $5k | NFCU FLAGSHIP REWARDS: $5k | USAA VFW REWARDS: $4k | BARCLAYS FINANCING VISA: $2.3k | CHASE AMAZON REWARDS: $2k | DISCOVER IT: $1k | AMEX BCP: $1K | PAYPAL SC: $1.3k | MACYS: $1.2k | EXPRESS: $600 | NFCU LOC: $2.5k | NFCU AUTO LOAN: $21k

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