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Valued Member
outofthewoods
Posts: 48
Registered: ‎04-07-2009

Re: citicards rejection

not to keep bothering you...on the BOA website credit card section I can apply for the secured card. is that the 99/500 others talk about? Should I just apply for it? (as its been said I need to start somewhere)
Senior Contributor
txjohn
Posts: 4,214
Registered: ‎09-12-2008

Re: citicards rejection

Actually, for the 99/500 you would apply for the unsecured Visa Platinum Plus.  If declined, they may offer you the 99/500 or secured card.

 

Here is a link talking about this:

 

http://ficoforums.myfico.com/fico/board/message?board.id=generalcredit&message.id=10685&query.id=303...

 

 

Credit Scoring 101 - Tuscani   *  Guide to Common Abbreviations
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09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
05/18/2005 TU: 563, EQ: 580, EX: 549
Valued Member
outofthewoods
Posts: 48
Registered: ‎04-07-2009

Re: citicards rejection

thanks for the link and info.

 

I think I'm going to go ahead and give it a try. Got to build up the foundation before you can build the house.

Valued Member
outofthewoods
Posts: 48
Registered: ‎04-07-2009

Re: citicards rejection

which is better..the 99/500 or a boa secured that graduates after a 9 months/1 year? thanks all.
Established Contributor
pattycake
Posts: 758
Registered: ‎04-30-2007

Re: citicards rejection


outofthewoods wrote:
which is better..the 99/500 or a boa secured that graduates after a 9 months/1 year? thanks all.

 

Their CSRs may be able to talk you through an answer to that question. 
pattycake's FICOs: 6/2/10 - TU: 708; EX: ???; EQ: 749
Senior Contributor
txjohn
Posts: 4,214
Registered: ‎09-12-2008

Re: citicards rejection

[ Edited ]

Depends on your finances.

 

They offer secured cards to $10,000.  How big of a CL do you want?  If you only care about $500, then $99/500 is the cheapest out of pocket secured card.

 

If you want a bigger starting CL, then the standard secured card is a better fit.

 

 

Message Edited by txjohn on 08-01-2009 11:12 AM

Credit Scoring 101 - Tuscani   *  Guide to Common Abbreviations
Frequently Requested Threads * FICO High Achievers  *  FICO Score Estimator


09/03/2009 TU: 777, EQ: 776 ($8 balance on an account dropped me out of 780's)
03/28/2009 TU: 814, EQ: 810, EX: 781 (02/12/2009)
05/18/2005 TU: 563, EQ: 580, EX: 549
Valued Member
cabana7
Posts: 42
Registered: ‎11-08-2008

Re: citicards rejection

I have been turned down twice by citi, once some time ago for too many inquiries and recently for having sufficient credit...I guess no citi for me...I do have a NTB (national tire and battery) sitting at a zero balance

I also have a Macy's card with a zero balance that I think could turn into citi but not real sure....I won't apply with them again so in the distant future they'll have to come offering me something because twice is enough...I have been reading horror stories about chase but they have been real good to me and so has bank of america...sometimes I think it's luck of the draw EQ726 TU700

Senior Contributor
creditwherecreditisdue
Posts: 4,923
Registered: ‎04-19-2009

Re: citicards rejection

[ Edited ]

cabana7 wrote:

I have been turned down twice by citi, once some time ago for too many inquiries and recently for having sufficient credit...I guess no citi for me...I do have a NTB (national tire and battery) sitting at a zero balance

I also have a Macy's card with a zero balance that I think could turn into citi but not real sure....I won't apply with them again so in the distant future they'll have to come offering me something because twice is enough...I have been reading horror stories about chase but they have been real good to me and so has bank of america...sometimes I think it's luck of the draw EQ726 TU700


Turn into a Citi what? DSNB, which issues Macy's cards, is owned by Citi and serviced by Macy's. Last year some Macy's store accounts were transferred from DSNB to Citi. They were not the better accounts. There is a Macy's Visa card which is also a DSNB product, which is available by invitation or an in store application. The Macy's Visa card is not considered easy to get.

Message Edited by creditwherecreditisdue on 08-02-2009 09:20 PM

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