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Established Contributor
Posts: 568
Registered: ‎12-21-2012
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Re: Think twice before you apply for Citi credit card.

I don't even know 150 people, much less 150 people Citi took AA against. You must get around a lot.

American Express Costco TrueEarnings - $8,300; American Express Blue Cash Everyday - $5,000; American Express Delta Gold - $7,300; Bank of America Travel Rewards - $5,000; Barclaycard Arrival+ - $5,000; Citi Forward - $5,800 and $4,500; Chase British Airways - $14,500; Discover It - $4,500
Established Contributor
Posts: 552
Registered: ‎09-28-2012
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Re: Think twice before you apply for Citi credit card.

Well according to you signature you have plenty of open tradelines. This is  reason alone why you may be getting denied , you AAOA may be low. 



TU 715 No apps to 05/13 cash+ 5/13!!! 738 TU CSP April 13!!!CSP approved May 13!!!


Valued Contributor
Posts: 2,265
Registered: ‎07-23-2012
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Re: Think twice before you apply for Citi credit card.


astritaho1979 wrote:

I only say the minimumm about citi.Iam not trying to put any lender down iam simply saying what happen and what should we be aware of. I know at lest 150 ppl that had account with them and all got closed for no particular reason.


wow! you know 150 people who randomly got their accounts closed. something seems fishy. 

was it after the big meltdown? 

 

you say youve applied 10 times in the past 4 years and have gotten denied everytime? 

did you read your denial letters? fix the issues it listed? maybe they are conservative and dont like seeing all your accounts who knows anymore. noone is forcing you to apply for their cards. you just want something that you cant have. 

Current: Discover Fico 682 1/15 Walmart Fico 684 1/15

Inquiries (24 Months): EQ 4 TU 1 EX 5 | Most Recent: 09/26/2014
Over 12 Months:4


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Frequent Contributor
Posts: 451
Registered: ‎10-02-2011
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Re: Think twice before you apply for Citi credit card.

I guess i was just thinking maybe is the score maybe the inq maybe the new accounts.Common now you really think its me ?


COMMERCE BANK PLATINIUM VISA 20K*PAYPAL MC $9.5K*CITI FORWARD $8.5K*PENFED $6,5K*
*LOWES $6K *CMN BANK $5.2K-*PNC $5K*SCLUB DISC. $5K*
WMART DISC.4K*CMN BANK 3.75K*BANK OF AMERICA $3K* MACYS $2.2K*
JCP $1.8*TARGET $0.7K* UTL1%- AAOA 5.5- TOTAL 12 yrs History/
Transunion 718 Equifax 733- Experian 736
Regular Contributor
Posts: 240
Registered: ‎11-25-2012
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Re: Think twice before you apply for Citi credit card.

I'm also gonna have to agree to disagree.  Citi was the first prime lender I got a card from.  They approved me for the mtvU card when I was 18 for a 4k limit - before that the only other credit card I had was my Target card (at either a $500 or $1k limit, I don't remember).  Citi also auto CLI to 8k after either a year or year in a half of good history.  I'm sorry to hear you've had trouble being approved, but they definitely are a good bank to deal with, in my experience.


Building the perfect card portfolio, one app at a time.
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Established Contributor
Posts: 795
Registered: ‎05-16-2012
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Re: Think twice before you apply for Citi credit card.

I have been denied twice by Citi, but on my last denial I was able to talk to a manager who was on the phone with me for at least 30 minutes telling me what I needed to do to get approved and what they look for. I found it very helpful. He could have told me to go fly a kite but he wanted to help. From what I gathered, they do not like a bunch of new accounts which most of my cards were aquired in 2012 (as well as a bunch of student loans) . He said everyhing looked great and if not for all the new accounts, I would have been approved.. I will try again in 6 months of no apps/new accounts.

100% Ficos: EX 762, TU 767, EQ 762 Inquiries last 1 year/6 months: EX-0/0, TU- 0/0, EQ-1/0~ last credit card app 6/24/13- New car loan 3/8/2014
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Frequent Contributor
Posts: 451
Registered: ‎10-02-2011
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Re: Think twice before you apply for Citi credit card.

i try to.. i just dont try to get denied and waste inq every time.Look i know they are good with some ppl but i can only speak for my self and dont disecurage any one to apply for the card i just say be cautious


COMMERCE BANK PLATINIUM VISA 20K*PAYPAL MC $9.5K*CITI FORWARD $8.5K*PENFED $6,5K*
*LOWES $6K *CMN BANK $5.2K-*PNC $5K*SCLUB DISC. $5K*
WMART DISC.4K*CMN BANK 3.75K*BANK OF AMERICA $3K* MACYS $2.2K*
JCP $1.8*TARGET $0.7K* UTL1%- AAOA 5.5- TOTAL 12 yrs History/
Transunion 718 Equifax 733- Experian 736
Frequent Contributor
Posts: 451
Registered: ‎10-02-2011
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Re: Think twice before you apply for Citi credit card.

My AAOA is 5.5 and 12 the oldest tr line


COMMERCE BANK PLATINIUM VISA 20K*PAYPAL MC $9.5K*CITI FORWARD $8.5K*PENFED $6,5K*
*LOWES $6K *CMN BANK $5.2K-*PNC $5K*SCLUB DISC. $5K*
WMART DISC.4K*CMN BANK 3.75K*BANK OF AMERICA $3K* MACYS $2.2K*
JCP $1.8*TARGET $0.7K* UTL1%- AAOA 5.5- TOTAL 12 yrs History/
Transunion 718 Equifax 733- Experian 736
Frequent Contributor
Posts: 451
Registered: ‎10-02-2011
0

Re: Think twice before you apply for Citi credit card.

Why is so hard to believe me but so easy to believe some one that makes money of you from the intrest rate.Think about it


COMMERCE BANK PLATINIUM VISA 20K*PAYPAL MC $9.5K*CITI FORWARD $8.5K*PENFED $6,5K*
*LOWES $6K *CMN BANK $5.2K-*PNC $5K*SCLUB DISC. $5K*
WMART DISC.4K*CMN BANK 3.75K*BANK OF AMERICA $3K* MACYS $2.2K*
JCP $1.8*TARGET $0.7K* UTL1%- AAOA 5.5- TOTAL 12 yrs History/
Transunion 718 Equifax 733- Experian 736
Valued Contributor
Posts: 2,265
Registered: ‎07-23-2012
0

Re: Think twice before you apply for Citi credit card.


astritaho1979 wrote:

I guess i was just thinking maybe is the score maybe the inq maybe the new accounts.Common now you really think its me ?


im not saying its you but come on! 

the definition of insanity is doing the same thing over and over and expecting different results. 

look over your denial letters if you still have them and see what they say. fix that and apply if youd like. 

i was denied by chase 3 times and the 4th they approved me. 

the letters always said not enough revolving accounts. not enough established credit history. 

obviously i had no credit. after a year and a half with 2 cards and 5 months with a third they let me in! 

 

Current: Discover Fico 682 1/15 Walmart Fico 684 1/15

Inquiries (24 Months): EQ 4 TU 1 EX 5 | Most Recent: 09/26/2014
Over 12 Months:4


2014 Goals:
Lower Utility
15% right now, but going up soon :smileysad:
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000

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