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Super Contributor
Posts: 7,132
Registered: ‎02-27-2013
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Re: How is CITI if you've burned them in the past???

Out of all the lenders, American Express is probably the most risk-averse lender.

Therefore they seem to be the strictest lender when it comes to people who have burned them before or people whom are "riskier" than what they would like.

JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Established Contributor
Posts: 620
Registered: ‎05-09-2009
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Re: How is CITI if you've burned them in the past???

YMMV in this situation regarding Citi.  But i can tell you with certainty, that i personally know of people who have burned Citi, and were later approved.  Mind you it was several years later when they applied, but were approved.  Later on, one friend was approved for a 2nd Citi card with a very generous credit line.  So, i've seen it happen, but of course YMMV, but i'd wait several years before trying again. It's possible perhaps some written off accounts have been purged from bank records for some, and maybe not for others.

Current Score: EQ: 807 TU: 811 EX: 813 (Fico) 8/14
Goal Scores: 760 Across all 3-Finally


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Frequent Contributor
Posts: 403
Registered: ‎01-08-2013
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Re: How is CITI if you've burned them in the past???

Interesting. I burned them over 10 yrs ago. Again, they weren't one of the cards on my list when I turned things around, but I may consider later on down the line.
Amex Plat.(NPSL) Amex PRG(NPSL), Amex BCE($18K), Amex Hilton($1K), NavCheck ($15K), NFCU CR Siggy($20K), USAA Amex($7K), USAA World MC($7K), CSP($5K), Chase Marriott($5K), Care Credit($2.5K), Cap1 QS($3.5K), VS($500), Cap1 Secure($200) Starting Scores(Jan 2013): FICO EQ: 643, TU: 552, EX: 567 Current Scores(April 3, 2015): FICO EQ: 741, TU: 703, EX: 711 In the Garden FOR-EV-ER!!!!! Cards and goals achieved! Let's grow and mature these babies!!!
Valued Contributor
Posts: 1,584
Registered: ‎11-10-2012
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Re: How is CITI if you've burned them in the past???


CreditJunkie917 wrote:

When I first turned 18 and went to college, I got sucked into all the credit offers that were thrown at kids during the first week of classes. I remember i got a CITI because I got sucked into the MLM Herbalife. Didn't work out so well. I burned CITI. So my question is, how long do they keep those records on file? Are they along the same lines as AMEX??


According to a friend, they have an endless memory. She burned tham in 1977, and she still cannot get back with them. Good luck to you if you ever app with them again. Stranger things have happened.

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