Posts: 139
Registered: ‎07-31-2012
Re: Polishing credit
[ Edited ]

I think there was Citi here before, but it's been a while since I saw one. Will avoid them until my 30 day late reaches the 2 year mark as they seem pretty sensitive about it from my HD denials. The others I have never seen here (only AMEX cards through local banking). I would like a Sears MC, but not sure if I should apply because it is Citi and they have denied me 2 times already for HD.


** For the Discover I got approved earlier today. This wasn't planned so I'm happy if I don't/can't get another card until summer next year.


Edit: from what I found the major banks in the US have no presence here, but have contracts/deals with some local banks to offer their CCs/financial products.

As of Feb: AAoA 1 year, 10 months
CK TU: 740; Wal-Mart TU FICO: 721
CS EX: 715
8 CCs, 15 total accounts.
Negs on report: 1 30 day late aged 3 years
5 inquiries