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should I even try?

Established Contributor

should I even try?

Citi Bank has sent me in the neighborhood of 7 invites ( in the last couple of months). My credit is not yet pristine, but I haven't app'd fpr anything in over a year. Should I bite the bullet? They offer a zero intro for 15 months. This would allow me to close 4,  poo-poo acounts. I know I have very low inquiries, but I don't want to waste them either.

Message 1 of 6
5 REPLIES
Epic Contributor

Re: should I even try?

do you have a recent EQ fico report? what's still bad and what's score and util?

the other day someone asked about being pre-approved then declined and no one reported using an offer code and being declined

Message 2 of 6
Established Contributor

Re: should I even try?


Creditaddict wrote:

do you have a recent EQ fico report? what's still bad and what's score and util?

the other day someone asked about being pre-approved then declined and no one reported using an offer code and being declined


My
EQ looks good. I still have baddies, but they will fall off next summer. That's why I'm thinking of holding off.

Message 3 of 6
Established Contributor

Re: should I even try?

some people get approved with Citi even with paid judgements. Some get denied for chargeoffs.  I don't know if they look at how old they are or not,  But maybe they approve as long as the judgements are paid, and the chargeoffs are not.  But i feel a judgement is as severe as a chargeoff.  Makes no sense to me at all.

 

Are defaulted credit chargeoffs looked at the same as medical ones?  I have 2 tiny collections from like over 6 years ago, and i won't apply with Citi despite the stacks of preapprovals and with descent scores as well.  My inquiries come off in 2 months, all of them, and i'm gonna pull the trigger then.

Current Score: EQ: 828, EX: 833, TU: 820 Citi TY Premier WEMC 46.5, (Since 1983)Discover 15.6k|BOA WMC 30.5k|Barclays Juniper Rewards 15k|Barclays Amex 20k| Cap One QS WMC 15K|Chase Freedom VS 19.3k|Citi Dividend WEMC 25k|FNBO 15.5k|CSP 22.1K|Chase Marriott 31.3k|Citi TYP 20K|Citi DP 16.5k|Macys 5k|Sams MasterCard 15k|Barclay Arrival Plus WEMC 18.7k|Chase IHG WMC 26k|Citi Double Cash 10k|Chase MileagePlus Explorer 14k|Amex Everyday 16.2|BBVA Amex 22.5k|Total Rewards VS 12.5k|SGV 10K|Venture 12k|BOA Virgin Atlantic WEMC 11.2K|MB Amex 9.5k
Message 4 of 6
Senior Contributor

Re: should I even try?

Approvals come from citi with more recent

baddies than yours, but not much info here to venture a guess.

 

 

DCU EQ 5.0, Citi EQ 08 Bankcard, PenFed EX NG2
EX 08: AFCU, Amex, Chase, PSECU EX 98(?)
TU 08: Barclays, Discover
Message 5 of 6
Highlighted
Senior Contributor

Re: should I even try?

also, don't count on them pulling EQ.  they have pulled EX for us.

Latest scores: Walmart TU: 769. MyFICO TU: 769. DCU EQ: 755. MyFICO EQ: 780. PSECU EX: 756. MyFICO EX: 780.
Message 6 of 6