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Citi?

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JPeanut503
Frequent Contributor

Citi?

So I used to have a citibank airline card.  I ened up going into a credit counseling program in late 2009 (which I am now completely finished with), and therefore my account was closed.  It is now paid off and has not been late since 2010 (when the credit counseling program was adjusting).  My question is do I (or should I even) try to call them and see about re-opening my account?  It was my best card, opened in 2006, and it also had a nice CL (which I know I would not get now).  I tried emailing them through my account, and it said they could not help me through there and gave me a number to call.  I have a good, solid income now and even though myfico is only at 608; that should go up as soon as a new TL hits here later this month and a CA is deleted.  Is it worth trying or is the HP not worth it since I probably won't be approved?  I just don't want to take one step forward and take 2 back......thanks in advance for any advice.


Beginning myfico score watch 608 (4/4/14)
EQ 652 (9/17/14) myfico
TU 641 (9/17/14) myfico
EX 671 (9/17/14) myfico
**Goal Score: 700 across the board
Message 1 of 4
3 REPLIES 3
Shogun
Moderator Emeritus

Re: Citi?

Me personally?  I'd wait.  I'd let the new TL age a bit and the baddie fall off.  Then I'd see where I was.  It's going to take baby steps to get back up there.

Starting Score: 504
July 2013 score:
EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge

Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!

June 2017 update: All scores over 820, just pure gardening now.
Message 2 of 4
mialar
Member

Re: Citi?

Ever have any luck with CITI, I am almost in exact same situation

Message 3 of 4
JPeanut503
Frequent Contributor

Re: Citi?

I never called them to ask, I have been patiently trying to get my fico up a bit higher and get some GW done before I hit them with trying to re-open up my card. I have tried to GW will them, with no success Smiley Sad


Beginning myfico score watch 608 (4/4/14)
EQ 652 (9/17/14) myfico
TU 641 (9/17/14) myfico
EX 671 (9/17/14) myfico
**Goal Score: 700 across the board
Message 4 of 4
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