Is Citi inquiry sensitive? Who do they generally pull?

[WallyxD]

I was thinking about applying for Citi Dividend. But first, I wanted to know if they're inq sensitive? And who they generally pull? I'm in PA. I know "YMMV", but for those who were approved, what did your file look like? I'm at 11 months AAoA, and my history is about 1.5 years old (student loan accounts).  I was previously told I should wait until my actual CC's reach at least a year, and I planned on it. But I'd really like just one more card.

[LS2982]

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@WallyxD wrote:

I was thinking about applying for Citi Dividend. But first, I wanted to know if they're inq sensitive? And who they generally pull? I'm in PA. I know "YMMV", but for those who were approved, what did your file look like? I'm at 11 months AAoA, and my history is about 1.5 years old (student loan accounts).  I was previously told I should wait until my actual CC's reach at least a year, and I planned on it. But I'd really like just one more card.

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Citi can be very INQ sensitive and very hard to recon on it.

I would suggest if you have alot of recent INQ's to let them age at least over 6 months then go for it.

[hayabusa]

considering you can apply for another citi card after every 65 days I would say no

[hayabusa]

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@LS2982 wrote:

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@WallyxD wrote:

I was thinking about applying for Citi Dividend. But first, I wanted to know if they're inq sensitive? And who they generally pull? I'm in PA. I know "YMMV", but for those who were approved, what did your file look like? I'm at 11 months AAoA, and my history is about 1.5 years old (student loan accounts).  I was previously told I should wait until my actual CC's reach at least a year, and I planned on it. But I'd really like just one more card.

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Citi can be very INQ sensitive and very hard to recon on it.

I would suggest if you have alot of recent INQ's to let them age at least over 6 months then go for it.

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what makes you think Citi is very INQ sensitive? I had 11 when I got my last one, and people are still getting cards with 20+ inq in the churning world

[bs6054]

For my last three apps (Dec, Mar, Apr) in MA, Citi double pulled both EQ and EX.  So I have about 25 Inqs in the last 24 months, but 1/4 of them are from these double pulls.

[WallyxD]

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@LS2982 wrote:

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@WallyxD wrote:

I was thinking about applying for Citi Dividend. But first, I wanted to know if they're inq sensitive? And who they generally pull? I'm in PA. I know "YMMV", but for those who were approved, what did your file look like? I'm at 11 months AAoA, and my history is about 1.5 years old (student loan accounts).  I was previously told I should wait until my actual CC's reach at least a year, and I planned on it. But I'd really like just one more card.

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Citi can be very INQ sensitive and very hard to recon on it.

I would suggest if you have alot of recent INQ's to let them age at least over 6 months then go for it.

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In the past 6 months, I have no more than 4 from TU. But EQ is clean, and EX just two. Is that still too much?

[LS2982]

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@hayabusa wrote:

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@LS2982 wrote:

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@WallyxD wrote:

I was thinking about applying for Citi Dividend. But first, I wanted to know if they're inq sensitive? And who they generally pull? I'm in PA. I know "YMMV", but for those who were approved, what did your file look like? I'm at 11 months AAoA, and my history is about 1.5 years old (student loan accounts).  I was previously told I should wait until my actual CC's reach at least a year, and I planned on it. But I'd really like just one more card.

---

Citi can be very INQ sensitive and very hard to recon on it.

I would suggest if you have alot of recent INQ's to let them age at least over 6 months then go for it.

---

what makes you think Citi is very INQ sensitive? I had 11 when I got my last one, and people are still getting cards with 20+ inq in the churning world

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There are plenty of people on this forum who have gotten declined for too many recent INQ's. Its always YMMV depends on the situation. You could have a thick file and they'll let some INQ's slip but if your thin and lots of INQ's that 's 2 strikes.

[hayabusa]

I guess this is mainily for rebuilders and people getting established , but citi is the credit card company that is the least inquiry sensitive in the world of credit with a decent file.

[shanac]

I live in Illinois & Citi pulled EQ when I applied in 2012 & again for my CLI on Friday night. My AAofA was at 4.5 years or so. At the time EQ CR looked like this--2 unpaid medical CA, 3-4 INQs, a state tax lien from 2002 & my util was probably around 70%.

[w20031424]

I had 24 inquiries on my TU alone, and I got approved for the Citi Forward Student card last week of 2K CL. Oldest credit card 1 year and 8 months. I have no idea why they approved me.