Long story short: 680 scores across the board. About half-dozen negatives from college years (5-7 years)
Opened a Chase savings and checking ($30K). Applied for the card and denied. Reconned, pointing to the fact that I had 30K balance in accounts. Got 3K Freedom card on recon.
I previously had a Citibank card that went negative and was paid after close. I tried to reapply some years later, but I was denied due to derogatory credit file. Tried to recon, but the kept claiming that I never provided a copy of my credit report. Seems odd. Anyway, maybe I'm just blacklisted?
I would like to get back in bed with Citi, but will only do so if they would service all accounts (savings, checking and a credit card).
I wonder if I open a citi account with 30K if the same kind of strategy would work. The fact is I have plenty of money, but my credit history is just on the cusp of recovery. No bad marks in 6 years....but still have those bad marks from 6 years ago.
I dont know about 30k. I do know with Citi that if you open with 100K and establish a Citigold relationship that they push for a credit card as well. Citi has become more conservative in the recent months, so I wouldn't put all my eggs in one basket like that.