topic Re: Citibank retail card (Goodyear, Home Depot etc...) after BK info in Credit Card Applications

Citibank retail card (Goodyear, Home Depot etc...) after BK info

brad0502 — Sun, 12 Jul 2020 21:34:38 GMT

Wanted to share what happen yesterday with citibank. I am a year and a half post bk7. Have a great rebuild going thus far. I have tried the home depot pre-qual site and to this date have had no luck with a pre-qual. Yesterday my daughter drove through a parking lot and blew out a tire. Long story short I needed to buy 4 new tires. I was tempted and applied for the good year card for the promotional financing and double rebate. The good year card is backed by citibank. After some research on myfico, I found they pull Equifax and that is was my strongest score. Currently Fico08 is 672 I applied and got the message we will get back to you in 2 weeks by mail. So I called the backdoor number to see if I actually had a shot at an approval. After all it was not a flat out denial. The rep was very nice a told me that I had been declined and I would recieve in the mail within 2 weeks the reasons. I told him I am sure the reason for the denial was my BK7. I asked him if the account could be manually looked at which he did esclate it to his supervisor. Again a hard NO. Citibank doesn't apporove applications with a BK for a period of time. The rep did not know the amount of time and told me if not for the BK, that with my score and profile I would have been approved. So those of us still rebuilding know that citibank thus for doesn't seem too BK friendly. Hope I help someone out there with the feedback and save you a HP!

Re: Citibank retail card (Goodyear, Home Depot etc...) after BK info

AllZero — Sun, 12 Jul 2020 21:42:21 GMT

That is unfortunate about the denial. Thank you for sharing the data points.

Re: Citibank retail card (Goodyear, Home Depot etc...) after BK info

M_Smart007 — Sun, 12 Jul 2020 21:51:39 GMT

Op, Sorry for your denial, especially at a time when you could have used it

Re: Citibank retail card (Goodyear, Home Depot etc...) after BK info

Anonymous — Sun, 12 Jul 2020 22:17:33 GMT

Sorry to hear it OP. Their core cards are known to be a no-go with a BK on file until 5 or 7 years out. Looks like the retail side must be similar.

Re: Citibank retail card (Goodyear, Home Depot etc...) after BK info

Dmessina666 — Mon, 13 Jul 2020 01:02:24 GMT

BK must be their thing. I can tell you whats not tho....3 CO's that are 4 years old and an auto loan with 16 30-days lates. All paid in full and closed for at least 4 years.

Home Depot- Approved 6/29 for $500

TBH, I was in shock.

Re: Citibank retail card (Goodyear, Home Depot etc...) after BK info

KLEXH25 — Mon, 13 Jul 2020 01:51:13 GMT

Sorry for the denial. DPs are always appreciated at least.

Re: Citibank retail card (Goodyear, Home Depot etc...) after BK info

Shooting-For-800 — Mon, 13 Jul 2020 12:21:55 GMT

They will approve with BK just depends on time a file.

Re: Citibank retail card (Goodyear, Home Depot etc...) after BK info

Guyatthebeach — Tue, 14 Jul 2020 01:38:31 GMT

brad0502,

Sorry to hear about your denial. It's posiible to get Citi back retail cards after bankruptcy. You just need to give yourself some more time. After 3 years post bankruptcy, I was able to get approved for a Best Buy store card. Then after the 7 year mark, I got approved for a Macy's American Express. At the 8 year mark, I got a Costco Visa.

Guyatthebeach

Re: Citibank retail card (Goodyear, Home Depot etc...) after BK info

AverageJoesCredit — Tue, 14 Jul 2020 12:27:59 GMT

@Guyatthebeach wrote:
brad0502,

Sorry to hear about your denial. It's posiible to get Citi back retail cards after bankruptcy. You just need to give yourself some more time. After 3 years post bankruptcy, I was able to get approved for a Best Buy store card. Then after the 7 year mark, I got approved for a Macy's American Express. At the 8 year mark, I got a Costco Visa.

Guyatthebeach

Ueah usually after 8 years Legacy can be achieved as Citi does forgive.....unlike Banco Popular🥶

Re: Citibank retail card (Goodyear, Home Depot etc...) after BK info

Supermama — Mon, 21 Sep 2020 03:47:00 GMT

Just for more data...I just applied for the Home Depot card. I am approximately 3 years post Chapter 7. I was approved. My EQ is 661. So I would say 3 years is probably safe to apply for a Citi store card.

Re: Citibank retail card (Goodyear, Home Depot etc...) after BK info

Shaw83 — Mon, 21 Sep 2020 14:44:15 GMT

Did they say how long? I'm 7 years into my bk.

Re: Citibank retail card (Goodyear, Home Depot etc...) after BK info

Shaw83 — Mon, 21 Sep 2020 14:48:17 GMT

Who does Citi pull from?

Re: Citibank retail card (Goodyear, Home Depot etc...) after BK info

CreditMagic7 — Mon, 21 Sep 2020 17:16:39 GMT

@Supermama wrote:
Just for more data...I just applied for the Home Depot card. I am approximately 3 years post Chapter 7. I was approved. My EQ is 661. So I would say 3 years is probably safe to apply for a Citi store card.

Thanks for additional DP on the HP store card and OP for their results as well.

Re: Citibank retail card (Goodyear, Home Depot etc...) after BK info

coldfusion — Mon, 21 Sep 2020 17:35:49 GMT

@Shaw83 wrote:
Who does Citi pull from?

YMMV. My own experience with them is that they're most likely to pull from EX but they've also pulled from TU and from EQ. Some other applicants discover thay have pulled from both EX and TU for a single app.