topic Re: citi application in Credit Card Applications

citi application

Anonymous — Sat, 01 Aug 2015 02:00:13 GMT

anyone knows what credit history citi credit cards require?

thin file right now but I have 5 cc already.

Considering applying for bunch of cards recently.

Fico score is around 710 but with longest line of 6 months.

still a student and have a student thank you preferred card from citi.

1250 credit limit.

Should I try citi this time or keep gardening?

thanks

Re: citi application

Anonymous — Sat, 01 Aug 2015 02:20:50 GMT

To get better answers, what exactly are your FICo scores thus TU, EX and EQ? What bureau did Citi pull for your first card? Because that will be the same bureau for your next card.

Also, what Citi card are you thinking of applying for? What are the limits on your current cards?

Re: citi application

Anonymous — Sat, 01 Aug 2015 02:24:15 GMT

thanks for your response.

Fico experian: 710 equifax 684 transunion 705

I am comsidring AA casue I travel a lot. and always get charged for baggage fees.

current have PRG, discover, freedom, boa and citi thank you preferred.

should I TRY???

Re: citi application

taxi818 — Sat, 01 Aug 2015 02:32:57 GMT

@Anonymous wrote:
thanks for your response.
Fico experian: 710 equifax 684 transunion 705
I am comsidring AA casue I travel a lot. and always get charged for baggage fees.
current have PRG, discover, freedom, boa and citi thank you preferred.
should I TRY???

Well since you already have the TyP. depending on how long you have had it. You should be ok. Im not sure about them pulling the same thing everytime. the only reason i say that. For Best buy, They pulled EQ. For home Depot. They pulled. EQ. But for Double Cash they pulled Experian. 1 pull each no double pulls as many have said has happened to them. So its a Ymmv with them. Even for my Best buy cli they pulled Tu this last time. Only because eq was frozen. But every other cli they pulled. Equifax too. So they seem to vary. even from different regions of the country.

Re: citi application

Anonymous — Sat, 01 Aug 2015 02:34:22 GMT

What bureau did Citi pull for your first card and if so, how many inquiries do you have on there?

Re: citi application

Anonymous — Sat, 01 Aug 2015 02:38:50 GMT

I read a lot of posts. Ppl say that they love user with credit history of more than 1 year. But Since I get a card from them, it should be a different thing???

So I have no idea it works or not?

thanks for your replies.

Re: citi application

Anonymous — Sat, 01 Aug 2015 02:42:06 GMT

they hit my equifax when applied for the card. but when i got the card, I called for credit limit increase. They said they wont hit my credit report but they lied to me!!!!

that was just 4 days later after the first hit. and denied my credit increase.

Now I have 4 hits from equifax and one from charles schwarb.

Re: citi application

Anonymous — Sat, 01 Aug 2015 02:43:47 GMT

@Anonymous wrote:
they hit my equifax when applied for the card. but when i got the card, I called for credit limit increase. They said they wont hit my credit report but they lied to me!!!!
that was just 4 days later after the first hit. and denied my credit increase.
Now I have 4 hits from equifax and one from charles schwarb.

They they will pull EQ for you next application. If you have had the current Citi card for 1 year and then give it a go. You have a strong chance of approval. Report back with results after you apply.

Re: citi application

Anonymous — Sat, 01 Aug 2015 02:46:20 GMT

no I have that card for 5 month only.

Maybe I should give it a try.

Re: citi application

Anonymous — Sat, 01 Aug 2015 02:51:42 GMT

@Anonymous wrote:
no I have that card for 5 month only.
Maybe I should give it a try.

If you really want it and you can afford the hardpull then have at it. You will never know until you try. Will keep fingers crossed for you and report back with results. It seems you really want it so go for it.

Re: citi application

Anonymous — Sat, 01 Aug 2015 02:56:21 GMT

thanks

I will try. who knows what will happen.

keep update later.

Re: citi application

Anonymous — Sat, 01 Aug 2015 02:57:16 GMT

@Anonymous wrote:
thanks
I will try. who knows what will happen.
keep update later.

Ok good.. Looking forward to seeing results.

Re: citi application

Anonymous — Tue, 04 Aug 2015 05:17:00 GMT

I got the Double Cash then was approved for the TYPremier 2 months later. YMMV defientely. My scores were about the same as yours. Check for PreQual before applying.

Re: citi application

Anonymous — Thu, 06 Aug 2015 05:16:01 GMT

what about your credit history?

seems you had pre quilify before applying?

Re: citi application

Anonymous — Mon, 24 Aug 2015 00:20:14 GMT

Finally gave up on citi

aplied

SM(DENIAL)

CHASE UA & MARRIOTT (5000cl)

spg(instant approval 6700cl)

boa travel reward(1700)&alaska (denial)

then amex delta is in pending casue one personal card one day by amex. call back next week and will definitely get approved(by reps).

Re: citi application

myjourney — Mon, 24 Aug 2015 00:26:57 GMT

Congrats

Re: citi application

NRB525 — Mon, 24 Aug 2015 04:52:23 GMT

@Anonymous wrote:
Finally gave up on citi
aplied
SM(DENIAL)
CHASE UA & MARRIOTT (5000cl)
spg(instant approval 6700cl)
boa travel reward(1700)&alaska (denial)
then amex delta is in pending casue one personal card one day by amex. call back next week and will definitely get approved(by reps).

Congratulations, you did 7 applications today? Wow.

Did you get the Chase United card? And Marriott, both $5k?

And SPG? And waiting on Delta?

Re: citi application

Anonymous — Mon, 24 Aug 2015 06:58:33 GMT

50k for united and 80K for marriott.

Got SPG but delta in pending.

will be approved this week.

Re: citi application

Anonymous — Mon, 24 Aug 2015 06:59:18 GMT

oh, yes. 5k credit limit. sorry for misunderstanding.