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Think twice before you apply for Citi credit card.

Valued Contributor

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


astritaho1979 wrote:

but that wouldnt bee wise since is one of my old trade lines but yes i hear that alot lately also capitalone is a bad sign for serious lenders IMO




 

Even if you close your oldest trade line or any tradelines for that matter, it still reports and contributes to you AAoA for 10 more years.

AMEX: $25,000, CSR: $10,000, Chase Priority Club: $1,500, Freedom: $5000, Freedom Unlimited: $1000, Discover: $21,000, BoA $11,000, WF Cash Wise: $5000

EQ FICO - 753
TU FICO - 755
EX FICO(AMEX) - 766
Message 51 of 85
Frequent Contributor

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

Haha that picture looks like my mail every month too.. Citi sends me a new app for either the base Thank You card or the Simplicity card every 4 days it seems  (And let's not forget the balance transfer offers too).  Maybe once they learn I'm more interested in the TYP will I actually bite Smiley Very Happy

 

 

800+ across all three (via FAKOs) has been achieved! Current goal - Get down to 6 cards in total - sitting with 8 currently.
Message 52 of 85
Frequent Contributor

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

i didnt understand a word what you just say


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
Message 53 of 85
Valued Contributor

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

I agree that Citi is very strange and seems very unorganised with everything. They are one of the big four in the United States and their website design and everything about how you set up a new deposit account is horrid. Taking two weeks to access a new chequing account is unacceptable.

 

Their credit card side is fine so far. It took about ten minutes to get the one card approved, but it may have been for verification. They even sent the cards overnight without me even mentioning it.

 

A lot of people on here seem to hate a lender when they get declined. If the lender was so bad, why apply for the credit in the first place? Not many people like getting declined, but I just take it and move on. I was declined for Citi before and this time it worked,so I am happy about that.

Message 54 of 85
Regular Contributor

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

Forgive me for asking a stupid question (I've only recently become interested in my credit so I still have a lot to learn!) but how were you able to increase your score so much while still having so many inquiries? And keep your scores (relatively) consistent?


Last app 5/7/2014

No apps until 3/31/2016!
Message 55 of 85
Frequent Contributor

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

it wsnt 18 when i applied with them.Please read carefully so we dont misund the topic


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
Message 56 of 85
Frequent Contributor

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

Welcome to Citi lol


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
Message 57 of 85
Valued Contributor

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


astritaho1979 wrote:

it wsnt 18 when i applied with them.Please read carefully so we dont misund the topic


You should provide clear relavent info pertaining to this topic. We shouldn't have to dig it up from scattered poorly written posts and other threads.

 

Like I said, there's missing information somewhere; either you're not telling us or I'm not seeing it.

AMEX: $25,000, CSR: $10,000, Chase Priority Club: $1,500, Freedom: $5000, Freedom Unlimited: $1000, Discover: $21,000, BoA $11,000, WF Cash Wise: $5000

EQ FICO - 753
TU FICO - 755
EX FICO(AMEX) - 766
Message 58 of 85
Frequent Contributor

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

thanks for the support


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
Message 59 of 85
Frequent Contributor

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

you are correct thats how i fealt back then.I have since change my mind.Anything alse?


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
Message 60 of 85