topic Re: Citi's memory in Credit Card Applications

Citi's memory

Caught750 — Tue, 27 Mar 2018 01:10:20 GMT

Does Citi have a long memory, blacklist, or hold a grudge? I burnt them about 5 years ago for about 1k. It was during a very isolated period in my life that been behind me since. I'm super interested in any of their cards but was curious. I plan to spend about 6 to 7 months in the garden still but am thinking about when I come out.

Re: Citi's memory

Gmood1 — Tue, 27 Mar 2018 01:42:35 GMT

IME, not as long as you'd think. Possibly file dependent as well.

There's only one way to find out! I burned them for roughly 100 times of what you did.

I was just approved for my 3rd account with them a few days ago. Me thinks 🤔, they'll eventually let you back in. I got back in 6 years after burning them.

Re: Citi's memory

Caught750 — Tue, 27 Mar 2018 01:45:27 GMT

Thanks! They aren't on my short list (US Bank Cash+, BoA Travel Rewards , Amex SPG or Marriott and Delta Plat) so by the time I'm ready I should be good to go if we are talking 6 to 7 years.

Re: Citi's memory

DemonHusker — Tue, 27 Mar 2018 03:18:06 GMT

I also burned them for 2k and they let me back in just recently with the unpaid chargeoff still showing on reports, however it was due to fall off in 2 months after app. So it took me almost the full 7 years but I finally had a pre-approval so I took the Premier with the SUB bonus SL $5000. Pulled EQ and Exp for me. Scores were right around 680 on both

Re: Citi's memory

Caught750 — Tue, 27 Mar 2018 03:44:09 GMT

Excellent! That means I'm very close to where you were.

Re: Citi's memory

Jnbmom — Tue, 27 Mar 2018 06:43:59 GMT

I guess YMMV. My husband and I included Citi in our BK discharged 05, I am still after 13 years on their blacklist. It's weird I got a Macys which is the store co branded card from Citi and my husband got the Home Depot card cobranded of Citibank. Now he can't get any other cards, if he applys for cobranded he gets a HP and they state he had a previously account etc. and if he applies for a crediit card from Citi they pull a HP and deny for a medical collection he currently has on report. I got denied for Home depot because of previously delinqent account with them after HP of course but hubby gets it??? All citi cards I get HP and denied for kinda bogus reasons inquries age of accounts etc.

Citibank is very very weird lol

Re: Citi's memory

Anonymous — Tue, 27 Mar 2018 12:13:38 GMT

I'm not sure where exactly where I'd stand with Citi; I burned them in my 2014 Chapter 7 on a $3K Best Buy store card (which was transferred to them from Capital One in the fall of 2013, not too long before I filed for BK). The kicker is that my BK filing also included a $100K+ condo mortgage with Citimortgage, so I'm not sure whether they'd consider taking a loss on secured debt together with unsecured debt. If they do, I guess I'm pretty much out of luck with Citi as far as cards go for the foreseeable future; if not, I might consider their Costco card at some point in the future.

Re: Citi's memory

Anonymous — Tue, 27 Mar 2018 14:25:55 GMT

I burned Citi as well back in 10/2010.

I have the Citi Costco because it was changed from AMEX. Home Depot card was denied around 2016 but approved this weekend for $10k. Still can't get a CLI on the Costco which sits at $1.2k...go figure lol

Re: Citi's memory

Anonymous — Tue, 27 Mar 2018 14:41:56 GMT

@Anonymouswrote:
I burned Citi as well back in 10/2010.

I have the Citi Costco because it was changed from AMEX. Home Depot card was denied around 2016 but approved this weekend for $10k. Still can't get a CLI on the Costco which sits at $1.2k...go figure lol

I've read elsewhere that while the Citi Costco Visa is easier (not easy) to get for post-BK people, it's pretty much impossible to get it CLI'ed from the SL, at least until your bankruptcy drops off your report.

Re: Citi's memory

Anonymous — Tue, 27 Mar 2018 14:58:56 GMT

I guess i'll see some results after ch7 falls off.

Re: Citi's memory

RCFL — Tue, 27 Mar 2018 15:14:25 GMT

Burnt Citi for quite a bit back in 2010 - recently got approved for their thank you card with a 3k limit.

Re: Citi's memory

Anonymous — Tue, 27 Mar 2018 15:26:43 GMT

@RCFLwrote:
Burnt Citi for quite a bit back in 2010 - recently got approved for their thank you card with a 3k limit.

At one point i thought that was their entry card? But didnt want to go for it after the Home Depot denial.

Re: Citi's memory

Caught750 — Tue, 27 Mar 2018 15:43:15 GMT

If I were going to go for a Citi card it would be DC or TY premier

Re: Citi's memory

Anonymous — Tue, 27 Mar 2018 15:55:19 GMT

I don't know if this means anything, but I checked Citi's pre-qualification site just now. No offers, as I expected, but they suggested the Costco card, as they do everytime I've tested that site.

Re: Citi's memory

Caught750 — Tue, 27 Mar 2018 16:01:56 GMT

I've never had any prequalified offers either but I know some places you never really get them but would be approved for any card if cold Apping. It's odd but I've seen that alot here.

Re: Citi's memory

Anonymous — Tue, 27 Mar 2018 17:03:20 GMT

One more here, i never do as well.

Re: Citi's memory

Caught750 — Sun, 01 Apr 2018 02:41:40 GMT

If blacklisted is it an instant denial with no HP?

Re: Citi's memory

My_Fako — Sun, 01 Apr 2018 07:33:54 GMT

Nope... Hard pull. Sometimes two.