No credit card required
Browse credit cards from a variety of issuers to see if there's a better card for you.
I all, I've been out of the credit loop for a few years and I'm working on getting it back.. I had nothing bad in my files but all my good credit is dropping off..
Recently (May 12) I got a card from Cap 1 with a whopping 500 CL. On 7/29 I applied fore a Discover More card. Chase Freedom and a Citi card.. Both told me they only needed to verify my ID
Discover asked for some more info and I called them.. Got a 1500 CL then today I called Chase and got the card with a 1000 CL..
When I called Citi's app line I got a TD but haven't talked to anyone there yet.. Would you all just go for it or what? I don't really need it but if it will
help me boost things up I will..
My CK score was 752 now 747 and CS was 791 not sure yet was it is now.. Started this in May with a 680
In my opinion, use Citi's online CLI every 6 month, enter what you want and take whatever it gives you without HP.
Citi is the one that turned me down.. TD.. Sorry I took so long to reply.. I was at work all day.
Anyone know the best recon number to call? I called the AA number but it sounded like it was for business cards
Citi: 888-201-4523 (New App Approval Status)
Citi AA: 888-662-7759
Citi App Status: 800-645-7240, 800-288-4653, 800-750-7453
Citi: 800-444-2568 (Retention Dept.)
Citi: 800-763-9795 (App status?? They ask for your app #)
Citi Credit Bureau Dispute Fax: 866-713-5028
Well, I got That letter today from Citi.. You know. the one that no one wants..lol
They said I got TD due to a BK.. They also said the BK included them in one way or another.
So right away I pulled my EQ to see if I had someone's information on my report.. Nope, nothing there about a BK..
After that I pulled up some old paperwork.. Found a file that had some old CR and part of my BK was also in there..
I didn't see anything listed for Citi but I did find out my BK was from 12/86.. Yup! you read it right 1986
On the plus side at the very bottom of the letter it said action required for recon.
@dp321 wrote:In my opinion, use Citi's online CLI every 6 month, enter what you want and take whatever it gives you without HP.
So when my Citi reaches 6 months, is there a chance that they auto CLI? Or do I have to initiate? How does Citi work?
@Anonymous wrote:Well, I got That letter today from Citi.. You know. the one that no one wants..lol
They said I got TD due to a BK.. They also said the BK included them in one way or another.
So right away I pulled my EQ to see if I had someone's information on my report.. Nope, nothing there about a BK..
After that I pulled up some old paperwork.. Found a file that had some old CR and part of my BK was also in there..
I didn't see anything listed for Citi but I did find out my BK was from 12/86.. Yup! you read it right 1986
On the plus side at the very bottom of the letter it said action required for recon.
I don't think they denied you because you had a BK ever - they denied you because something that you had in BK either then or (most likely) NOW has some association with citi and thus you've been added to the blacklist even though you never hurt them.
If it had infor for a recon on it, I'd do it since obviously it appears you bk'd something that was bought by them long since your BK.