I want a Citi Card

[DigitalArk]

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@FinStar wrote:

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@DigitalArk wrote:

What are the popular Citi cards?

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Are you planning on submitting an app for an unplanned card DigitalArk? 

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Haha...

[FinStar]

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@corymcd88 wrote:

No, In about June 2014 I want to apply.

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Provided utilization stays in check (not incremental) and no other new accounts/inquiries, then you can give it a try by June.  Check Citi's website since their offers tend to change frequently.  By then, most of your inquiries should have aged considerably OP.

[ecxpa]

Would like to get a Citibank card also.  Have gotten a lot of new credit over the past year including credit cards and store credit cards.  20-25 inquiries in the CRA's .  Last approval was for a total rewards visa on 12/20/13.  Utilization is 12-15%.  Would I have a chance with Citi after 6 months

[FinStar]

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@ecxpa wrote:

Would like to get a Citibank card also.  Have gotten a lot of new credit over the past year including credit cards and store credit cards.  20-25 inquiries in the CRA's .  Last approval was for a total rewards visa on 12/20/13.  Utilization is 12-15%.  Would I have a chance with Citi after 6 months

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If your last app/approval was just 2 days ago, and you have an excessive number of inquiries, more like 8-12 months.  You need to let those new accounts and inquiries age off (no more inquiries/apps).  All things considered, Citi is well known for inquiries or the number of recently opened tradelines.  IMO, monitor your scores and inquires are in about 8 months or so and you can try at that point.

[hot4u]

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@FinStar wrote:

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@ecxpa wrote:

Would like to get a Citibank card also.  Have gotten a lot of new credit over the past year including credit cards and store credit cards.  20-25 inquiries in the CRA's .  Last approval was for a total rewards visa on 12/20/13.  Utilization is 12-15%.  Would I have a chance with Citi after 6 months

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If your last app/approval was just 2 days ago, and you have an excessive number of inquiries, more like 8-12 months.  You need to let those new accounts and inquiries age off (no more inquiries/apps).  All things considered, Citi is well known for inquiries or the number of recently opened tradelines.  IMO, monitor your scores and inquires are in about 8 months or so and you can try at that point.

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+1

[Platinum]

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@corymcd88 wrote:

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@FinStar wrote:

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@corymcd88 wrote:

I have a long credit history. I have two CO and one Collection all paid, about 4 years old. What are the chances of me getting a Citi card? I have a FICO '08 EX about 700.

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It really depends on a lot of factors OP.  What is your AAoA and oldest account?  Citi can also pull EQ as well.  How many inquiries in either EX or EQ in the last 6-12 months?  What is your overall utilization?  How about any recently opened tradelines...in the last 6-12 months?

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AAoA = 3.5 years

INQ's on EX = 2 in 6 months, 7 total.

INQ's on EQ = 1 in 6 mouths, 22 total "A lot from ID theft"

UTIL about 6 to 8%.

New accounts 1 in June CC, 1 in June PLOC.

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Those INQ from ID theft should be easily deleted. Have you already contacted law enforcement and EQ ?

[CredittotheMax]

Here is the checklist I follow before I apply for anything: 

- Length of Credit History

- Baddies on Credit RP 

- Utlization %

- # of Inquires

- Income

If all of these look good, then you good to go.