topic Re: Citi Secured CC in Bankruptcy

Citi Secured CC

nomadic_triathlete — Sat, 04 Feb 2023 23:43:09 GMT

I was DC'd from a CH7 in 2019 and a Citi card was included ....

Does anyone know with the Citi Secured CC once you graduate from secured to unsecured is there a possibilty to change the card to a different Citi CC? I'm looking to try to get one of the travel reward CC's. So I'm wondering if getting a secured card is a path to one.

Re: Citi Secured CC

Horseshoez — Mon, 06 Feb 2023 14:18:00 GMT

@nomadic_triathlete wrote:
I was DC'd from a CH7 in 2019 and a Citi card was included ....

Does anyone know with the Citi Secured CC once you graduate from secured to unsecured is there a possibilty to change the card to a different Citi CC? I'm looking to try to get one of the travel reward CC's. So I'm wondering if getting a secured card is a path to one.

Do you know if they'll even give a secured card?

A year or so after my Chapter 13 was discharged I researched getting a Citi secured card and found they do eventually graduate, but graduation can take years. I decided to try anyway just to get back in with Citi; I got a single HP and a denial for my efforts.

Re: Citi Secured CC

Zoostation1 — Tue, 07 Feb 2023 04:30:46 GMT

Citi is one lender I have to cross off my list probably permananently, and that may be the case for the OP as well depending on how bad they were burned.

Re: Citi Secured CC

Yesitsme7 — Thu, 09 Feb 2023 11:02:45 GMT

My BK was discharged 3 years ago. 2 Citi cards were included. Since the discharge, I have gotten 3 credit cards and an auto loan with different financial institutions.

I applied for the Citi secured and they denied me also. I called for reconsideration and they told me with the BK showing, they can't reverse the decision.

Am I permanently blacklisted from Citi?

Re: Citi Secured CC

Horseshoez — Thu, 09 Feb 2023 12:30:38 GMT

@Yesitsme7 wrote:
My BK was discharged 3 years ago. 2 Citi cards were included. Since the discharge, I have gotten 3 credit cards and an auto loan with different financial institutions.

I applied for the Citi secured and they denied me also. I called for reconsideration and they told me with the BK showing, they can't reverse the decision.

Am I permanently blacklisted from Citi?

Odds are good you are blacklisted for a long time. Permanently? Not sure anybody can answer that question.

FWIW, my bankruptcy is now off my records, but I'm still blacklisted by Citi.

Re: Citi Secured CC

Yesitsme7 — Thu, 09 Feb 2023 14:08:17 GMT

@Horseshoez wrote:
@Yesitsme7 wrote:
My BK was discharged 3 years ago. 2 Citi cards were included. Since the discharge, I have gotten 3 credit cards and an auto loan with different financial institutions.

I applied for the Citi secured and they denied me also. I called for reconsideration and they told me with the BK showing, they can't reverse the decision.

Am I permanently blacklisted from Citi?

Odds are good you are blacklisted for a long time. Permanently? Not sure anybody can answer that question.

FWIW, my bankruptcy is now off my records, but I'm still blacklisted by Citi.

**bleep**! I want American Airlines card back