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Frequent Contributor
Posts: 451
Registered: ‎10-02-2011
0

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

there is more to that than you thing like some lenders i deal with required some amount of time for the card to be open.I only need it for 3 more months then RIP


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: 146
Registered: ‎01-05-2013
0

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


Forgive me! I was under the impression you applied for 15 cc's in October? Perhaps I misread...

 

 


Last app 5/7/2014

No apps until 3/31/2016!
Frequent Contributor
Posts: 451
Registered: ‎10-02-2011
0

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

Lenders like to see a lot of tradelines so does the fico score model.So opening to many trades at once reducec the score temporary for 3 months then it goes  up 50% after 6 months total rebunds 100% plus 60% for the number of the trade lines.Dont listen to some ppl telling you dont apply for to many cred cards.YOU need to show lenders u can handle high capacity credit limits and number of accounts


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
Established Contributor
Posts: 608
Registered: ‎10-11-2012
0

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

Citi has been pretty good to me.  I have the Citi AAdvantage AMEX with a CL of 9500.00.  Citi also threw in 0% on BT and purchases for 12 months.  I love the fact that you can just have cash deposited into your bank account as a BT with 0% promotional interest.  That's pretty darned good!!


NFCU Signature Visa Cash Rewards, NavChek, Citi AA AMEX, Cap1 Cash Rewards, Discover IT, Home Depot, Sears, Walmart, Chase Freedom, AMEX Green, Lowe's, AMEX BCE, Chase Sapphire Preferred, AMEX Hilton Honors Surpass, PayPal Extras MC, PenFed Platinum Cash Rewards, AMEX Platinum

GC Challenge: App Free since 1/8/13. No more apps til 2014






Frequent Contributor
Posts: 451
Registered: ‎10-02-2011
0

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

i have provided it like 10 times now.sorry


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
Established Member
Posts: 46
Registered: ‎01-08-2013
0

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


astritaho1979 wrote:

there is more to that than you thing like some lenders i deal with required some amount of time for the card to be open.I only need it for 3 more months then RIP



It seems to me that banks make decisions based on perceived risk. There is something in your credit report, perhaps inquiries perhaps something else, that obviously is viewed as a risk by citi. It doesnt mean that the company is wrong or evil or has a personal vendetta, they are just operating within their mormal risk parameters.

Amex Delta Gold $8,000 - Discover IT $1,250 - Citi Foward $2,000 - Capital One $300 - Banana Republic $300 - Walmart $300
Frequent Contributor
Posts: 451
Registered: ‎10-02-2011
0

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

no u didnt.I did app for 15 acc on october all approved but citi wich it didnt


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
Established Contributor
Posts: 1,040
Registered: ‎02-27-2012
0

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

most of the time I don't know who your posts are directed at...

AMEX: $0/$25,000, CSP: $0/$6500, Chase Priority Club: $0/$3500, Freedom: $0/$6000, Barclays NFL: $0/$7000 Discover: $0/$14,000, Citi Dividend: $0/$3500

EQ FICO - 728
TU FICO - 743
EX FICO(AMEX) - 712
Established Member
Posts: 46
Registered: ‎01-08-2013
0

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


astritaho1979 wrote:

i have provided it like 10 times now.sorry



It is so hard following your conversation as I never know to whom you are speaking. For the love of god man, hit the quote button! Smiley Tongue

Amex Delta Gold $8,000 - Discover IT $1,250 - Citi Foward $2,000 - Capital One $300 - Banana Republic $300 - Walmart $300
Frequent Contributor
Posts: 451
Registered: ‎10-02-2011
0

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

perhaps but i dont see it.sorry


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
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