topic Re: What Credit Score Does Citi pull for Applications? in Credit Card Applications

What Credit Score Does Citi pull for Applications?

AJ67 — Fri, 16 Feb 2024 22:46:27 GMT

I received an offer in the mail from Citi to apply for the Simplicity card. It is so appealing as I'm looking for a 0% for BT. It's for 21 months and 0% for 12 months for purchases. I have 4 inquiries on EX...2 inquiries on EQ...and 1 inquiry on TU.

What are my chances to be approved? I don't want to waste HP. I guess it depends on which credit score/report they pull. I also have 3 new acounts in the last year. My scores ranges from 740 to 790. They used to be over 800 but they tanked because of the new accounts.

Re: What Credit Score Does Citi pull for Applications?

NoMoreE46 — Sat, 17 Feb 2024 02:49:41 GMT

"3 new accounts in the last year." What month was the last new account?

Citi HP EXP for my AA card in Aug and has SP my EQ thereafter (in FL).

@AJ67 wrote:
I received an offer in the mail from Citi to apply for the Simplicity card. It is so appealing as I'm looking for a 0% for BT. It's for 21 months and 0% for 12 months for purchases. I have 4 inquiries on EX...2 inquiries on EQ...and 1 inquiry on TU.
What are my chances to be approved? I don't want to waste HP. I guess it depends on which credit score/report they pull. I also have 3 new acounts in the last year. My scores ranges from 740 to 790. They used to be over 800 but they tanked because of the new accounts.

Re: What Credit Score Does Citi pull for Applications?

keluric — Sat, 17 Feb 2024 02:12:51 GMT

They pulled EQ in my experience.

Re: What Credit Score Does Citi pull for Applications?

Iron1 — Sat, 17 Feb 2024 02:36:54 GMT

When I apped my Citi Double cash back card in 2019 they pulled Experian and Equifax ..... My Citi Costco card in 2020 was Equifax only

Re: What Credit Score Does Citi pull for Applications?

AJ67 — Sat, 17 Feb 2024 03:52:48 GMT

@NoMoreE46 wrote:
"3 new accounts in the last year." What month was the last new account?

Citi HP EXP for my AA card in Aug and has SP my EQ thereafter (in FL).

Actually...I forgot, the new account (auto loan) that I opened a year ago was paid off 2 week ago...but it is still showing because the company didn't report it yet. They told me it will be reported by the end of this month.

The 3 new accounts (an auto loan and 2 credit cards) were opened in the last 2 months. That's my concern...

Re: What Credit Score Does Citi pull for Applications?

AJ67 — Sat, 17 Feb 2024 03:54:59 GMT

@Iron1 wrote:
When I apped my Citi Double cash back card in 2019 they pulled Experian and Equifax ..... My Citi Costco card in 2020 was Equifax only

Thanks. So it's possible they will pull EX and EQ for Simplicity card app.

Re: What Credit Score Does Citi pull for Applications?

Drifter73 — Sat, 17 Feb 2024 16:27:23 GMT

It may depend on where you live.

Texas here, and Citi pulled EQ for Custom Cash, Diamond Preferred, Home Depot, and Macys for me. All CLIs over the years have Also been EQ on all 4 cards.

Re: What Credit Score Does Citi pull for Applications?

NoMoreE46 — Sat, 17 Feb 2024 18:46:59 GMT

@AJ67 wrote:
The 3 new accounts (an auto loan and 2 credit cards) were opened in the last 2 months. That's my concern...

IIRC, Citi likes to see 0/6 at the minimum, so your concern is valid.

Re: What Credit Score Does Citi pull for Applications?

AJ67 — Sun, 18 Feb 2024 01:55:21 GMT

@NoMoreE46 wrote:
@AJ67 wrote:
The 3 new accounts (an auto loan and 2 credit cards) were opened in the last 2 months. That's my concern...

IIRC, Citi likes to see 0/6 at the minimum, so your concern is valid.

It looks like I have a very slim chance to be approved!

Re: What Credit Score Does Citi pull for Applications?

RedKhaos — Wed, 21 Feb 2024 02:04:17 GMT

They usally pulled EQ for me, but I believe they pulled EQ and EX for my Custom Cash.

Re: What Credit Score Does Citi pull for Applications?

TekkenQQ7 — Wed, 21 Feb 2024 02:32:30 GMT

Citi HP Exp for me

Re: What Credit Score Does Citi pull for Applications?

911gt34life — Wed, 21 Feb 2024 20:49:38 GMT

Depends on card and location

They Pull EX and EQ in NY

Re: What Credit Score Does Citi pull for Applications?

DXness — Thu, 22 Feb 2024 04:41:57 GMT

In Connecticut, they pulled EX for my custom cash and I was 2/6 on inqs/new accounts. I timed that app during a period when Citi was very aggressively orginating cards - the same app right now might not be approved. Timing is everything!

It's worth noting that Citi is often conservative with starting limits, so even if you are approved, you might not get enough to actually do the BT you have in mind. With 3 new accounts and in this current economic climate, I wouldn't bank on a high SL. New accounts will matter, not just inqs. Honestly, I would pursue a different BT card with a less conservative lender unless the BT is small...and if it's small, I'd rather just pay it off than shuffle it around.

Re: What Credit Score Does Citi pull for Applications?

youngandcreditwrthy — Fri, 01 Mar 2024 17:59:54 GMT

3 new accounts in the last 6 months is a no go.

citi denied me for this exact thing and they listed for inquiries: "too many inquiries WERE recorded on your CR" & redundantly "too many inquiries ARE recorded on your CR"

It seems like the banks think inflation is causing us to app all the time, when in reality it's us trying to build credit/having a hobby lol

Good luck. All the banks have gotten sensitive. They are definitely getting more interest income too to account for the heightened risk.

Re: What Credit Score Does Citi pull for Applications?

Zosimus — Fri, 01 Mar 2024 22:00:05 GMT

Citibank has always pulled EQ on me. In Arizona.