Credit Card Center Advertiser Disclosure

Frequent Contributor
Posts: 311
Registered: ‎07-08-2012
0 Kudos

How to make Citi like me again?

Citi doesn't like me, but I want the Citi Forward card. So, what do I need to do in order to get them to approve me?


Relevant info:


AAoA: 7 years. Several new accounts opened in the last several months, but also have decreased utilization and total debt during that time.


Inquiries: 4 on EQ, 2 in July 2012 and 2 in September 2012. One of them is from Citi.


Income: $96k


EQ FICO: 658, but this is before it updates for recent decreased utilization. Waiting for it to update.


Current Utilization: 21%. Previously around 35%.


Derogatory Items: 90 day late on store card from 6/2011 (since paid in full, trying to GW), paid medical judgement from 5/2008, 30 day late on student loan from 9/2009, 30 day late on auto loan from 6/2009.


Current credit cards and reported balances:

Capital One/GM Card                $1/$6,405

Chase Slate                                $2,999/$3,800

Chase Amazon                           $14/$3,000

Discover More                             $1,672/$3,200

First Niagara                               $2,008/$2,800

Barclays World Mastercard      $0/$5,000

Capital One/Best Buy                $779/$1,500

GE/Walmart                                 $0/$400

GE/Old Navy                                $0/$1,200

GE/Care Credit                           $160/$6,000

US Bank                                       $0/$1,000

Dell                                                $847/$4,000


All balances except Dell and First Niagara are now at 0% interest, or are PIF each month, so I'm not really paying a ton of interest. I'm obviously trying to pay things down as fast as possible too.


I received pre-selected invitations and applied for Citi Thank You and Simplicity in July, and was denied for both due to utilization and derogatory information. At the time, I also had an unpaid collection (since removed), and utilization was almost 50%.


I had a Citi credit card that was opened around 2001. Citi closed it on me about two years ago, while it had a balance. I wasn't really paying attention to my credit reports at the time, so I don't know why they closed it, and I didn't bother to follow up with them. I do know that don't have any late payments on my credit report from them. Anyhow, I had other debt to worry about, so I only paid them a little more than the minimum payment every month since they closed the account. I'm wondering if this might be part of the reason they wouldn't approve me for another Citi card. I just paid off the balance on that Citi account in the last couple of weeks, so I owe them nothing now.


So, might I stand a shot at getting the Citi Forward now? If not, what should my credit profile look like to have a decent shot?

07/29/12: EX FICO (Amex) 684 | EQ MyFICO 631 | TU Walmart 695
Current: EX FICO (MyFICO) 733 | EQ (MyFICO) 683 | TU (Walmart) 745

First Goal: 700+ across the board - Got it on EX & TU!!!

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† 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 internal myFICO analysis of 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. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

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

IMPORTANT INFORMATION: All FICO® Score products made available on 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.