Credit Cards Center Credit cards from our partners
Reply
Established Contributor
Posts: 648
Registered: ‎02-17-2011
0

How do I get in with Citibank? Or am I in yet?

So years ago I had two Citibank Cards combined CL about 8,000$. Long story short I ended up getting sick and defaulted on both.  They were both sent to collections.  I paid one off and not sure what happened to the other. They are both off my credit report now.  My scores are low 600's and im rebuilding my credit.  But would this make me black listed from citi in the future?  I recently got approved for thier Shell personal gas card, Exxon Card and Citgo card ( <----Thought I would get denied but low and behold I got approved and now I have 3 gas cards! Yikes) all low limits.  Does this mean that citi forgave me or these are gas cards so it doesnt matter? Anyone with the same situation and then got a citi card?

Amex Hilton Honors $1000.00 CL; Discover $2000.00 CL; Gap Visa $5500.00 CL; AE Visa 4000.00 CL; Cap1 Quicksilver $2000.00; Walmart MasterCard $5,300.00; Sam's Club Mastercard $8500.00; Barclay's Rewards MC $3700; CITIBank Dividend World Mastercard $300.00 CL; AMEX PRG NPSL; Wells Fargo Rewards VISA $3,000.00 CL; Barclays AA Red Aviator MC $4000.00 CL; BOA Better Balance Rewards VIsa $1000.00 CL; Chase Freedom Visa $3,500; Venture $15,000; Venture One $10,000, Quicksilver Visa Siggy $5000

Established Contributor
Posts: 736
Registered: ‎07-07-2010
0

Re: How do I get in with Citibank? Or am I in yet?

just move onto another company. i never will understand the amount of people coming on here trying to get back in the good graces of someone they screwed over.

 

good luck on rebuilding

__________________________
01/11/2011: FICO:TU: 746
12/14/2010: FICO:EQ: 744
08/12/2011: FICO:EXP: 766
Frequent Contributor
Posts: 309
Registered: ‎07-19-2010
0

Re: How do I get in with Citibank? Or am I in yet?

+++++ to gbishere!  I hope we all treat our interpersonal relationships with others better than we do our relationships with our creditors.  I can imagine someone saying "Well, I'm getting a better deal from "X" so it's time to kick my girlfriend to the curb..  She was definitely subprime and all I could get years ago but I've outgrown her."

New Contributor
Posts: 55
Registered: ‎08-04-2010
0

Re: How do I get in with Citibank? Or am I in yet?

 


gbishere wrote:

just move onto another company. i never will understand the amount of people coming on here trying to get back in the good graces of someone they screwed over.

 

good luck on rebuilding


 

Everyone has their reasons. I was young and dumb and defaulted on a Citibank credit card. I was blacklisted. I paid my dues and paid that internal collection account in full including all the extra interest, fee's, and whatever.  I do remember they gave me excellent service as a credit provider, lots of cli's, nice big limit, pleasant CSR's. etc.  I wanted to get back in Citibank's 'good graces' because I liked their Dividend card and just generally do all my banking with them. They're my primary B&M bank. I have two checking accounts with them among other things. Guess I'm off that blacklist because I recently got approved for the Dividend card after previously being denied for having an unsatisfactory relationship with them.

 

To the OP, you're gonna have to wait a long time to get off that blacklist. I spoke to so many people it's not even funny. No one knows anything and they keep transferring you in circles among a small loop of departments. Since the time I paid my account until I got approved again was about 6 years. Take that for whatever its worth. Then again, I never applied and/or got approved for their gas cards. 

Established Contributor
Posts: 648
Registered: ‎02-17-2011
0

Re: How do I get in with Citibank? Or am I in yet?

Hey thanks... Mine was due to illness (Cancer) for a year and half I was bed ridden and cared about getting better not my credit score.  I was just asking so when my scores are in the 700's and I apply I wouldnt waste the Credit Inquiry.  Thanks for the comment though :-)

Amex Hilton Honors $1000.00 CL; Discover $2000.00 CL; Gap Visa $5500.00 CL; AE Visa 4000.00 CL; Cap1 Quicksilver $2000.00; Walmart MasterCard $5,300.00; Sam's Club Mastercard $8500.00; Barclay's Rewards MC $3700; CITIBank Dividend World Mastercard $300.00 CL; AMEX PRG NPSL; Wells Fargo Rewards VISA $3,000.00 CL; Barclays AA Red Aviator MC $4000.00 CL; BOA Better Balance Rewards VIsa $1000.00 CL; Chase Freedom Visa $3,500; Venture $15,000; Venture One $10,000, Quicksilver Visa Siggy $5000

Established Contributor
Posts: 648
Registered: ‎02-17-2011
0

Re: How do I get in with Citibank? Or am I in yet?

I dont like to post my Illness on here or use it as an excuse. Everyone has good an bad days.  Just because you mess up once does not mean your a bad person

Amex Hilton Honors $1000.00 CL; Discover $2000.00 CL; Gap Visa $5500.00 CL; AE Visa 4000.00 CL; Cap1 Quicksilver $2000.00; Walmart MasterCard $5,300.00; Sam's Club Mastercard $8500.00; Barclay's Rewards MC $3700; CITIBank Dividend World Mastercard $300.00 CL; AMEX PRG NPSL; Wells Fargo Rewards VISA $3,000.00 CL; Barclays AA Red Aviator MC $4000.00 CL; BOA Better Balance Rewards VIsa $1000.00 CL; Chase Freedom Visa $3,500; Venture $15,000; Venture One $10,000, Quicksilver Visa Siggy $5000

Regular Contributor
Posts: 204
Registered: ‎01-18-2009
0

Re: How do I get in with Citibank? Or am I in yet?


texasman07 wrote:

I dont like to post my Illness on here or use it as an excuse. Everyone has good an bad days.  Just because you mess up once does not mean your a bad person


+1

 

 

EQ Fico 01/10 743
TU Fico 01/10 716
New Contributor
Posts: 55
Registered: ‎08-04-2010
0

Re: How do I get in with Citibank? Or am I in yet?

 


armymom wrote:

texasman07 wrote:

I dont like to post my Illness on here or use it as an excuse. Everyone has good an bad days.  Just because you mess up once does not mean your a bad person


+1

 

 


 

+2

 

Let us know what you decide to do. From what I can tell they don't blacklist everyone and you already have the other Citi cards (althought I think they have a different underwriting department from the Citi-only cards). But then again, why waste an inquiry.

Moderator Emeritus
Posts: 4,875
Registered: ‎11-02-2010
0

Re: How do I get in with Citibank? Or am I in yet?

 


slvrknght8 wrote:

 


armymom wrote:

texasman07 wrote:

I dont like to post my Illness on here or use it as an excuse. Everyone has good an bad days.  Just because you mess up once does not mean your a bad person


+1

 

 


 

+2

 

Let us know what you decide to do. From what I can tell they don't blacklist everyone and you already have the other Citi cards (althought I think they have a different underwriting department from the Citi-only cards). But then again, why waste an inquiry.


+1000. Everyone's life circumstances are different. We shouldn't be so quick to judge, especially on a DB where we don't know much, if anything at all, about a poster's personal situation.
That being said... is there anyone who knows the answer to the OP's question?

 


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Valued Contributor
Posts: 1,129
Registered: ‎01-20-2011
0

Re: How do I get in with Citibank? Or am I in yet?

 


texasman07 wrote:

I dont like to post my Illness on here or use it as an excuse. Everyone has good an bad days.  Just because you mess up once does not mean your a bad person


 

+100

 

Life comes first. Credit is one of the 1000 things we use to make our life better.

 

I don't care what computers or the creditors understand or think. For them their money might come first, for us our life has to be your first priority and you did exactly what you should have done (Any sane would have done the same).

 

It sure doesn't make you or anyone a bad person or anything of that sort. It only means that you had potluck at that time.

Amex PRG | BoA Cash rewards 35K | BoA Cash rewards 7K | Citi AAdvantage 15 K | Chase Sapphire Preferred 11 K | Chase Freedom 10k | Chase United 5 K | Chase Southwest 5K | Chase Airtran 6.4K | Discover IT 8K | Barclays US Airways 7.8 K | DCU 3 K | US Bank Flex Perks 8K | Toys r US 6 K | JC Penney 4.6 K | Macy's 1200 | Kohl's 600
Ex Fico: 762 (PSECU)
EQ Fico: 764 (DCU)
TX Fico: 773 (Discover)
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.