topic Re: Citi Secured Card in Credit Cards

Citi Secured Card

Anonymous — Sat, 07 Oct 2017 00:26:25 GMT

Hey all. Long time lurker first time poster. I have a question regarding the Citi secure card if anyone can help. Has anyone with a BK and/or IIB Citi in their bankruptcy been able to get a Citi Card, and have it graduate? I recently applied and was approved for the Citi secured card and did filed BK7 and was discharged in July 2015. Citi was included in my bankruptcy. I have done tons of searches but can only find stories of people with prior BK’s getting approved for the Citi Secured but haven’t been able to find anything on someone who burned Citi in their BK and then was able to get the Citi secured card and have it graduate. Anyone know anything further on this!!? Thanks myFICOers.

Re: Citi Secured Card

morgacj2004 — Sat, 07 Oct 2017 01:24:37 GMT

Once you get it the card will unsecure in 18 months irregardless of whether or not CITI was IIB. CITI is Very picky so make sure there are no late payments or other issues. I had the card for more than a year. I owed $20 one month and was 3 days late. They refused to unsecure stating I had to wait another year. I got mad and cancelled the card which I now regret.

Re: Citi Secured Card

Anonymous — Sat, 07 Oct 2017 04:35:32 GMT

What's citi max deposit?

Re: Citi Secured Card

Anonymous — Sat, 07 Oct 2017 04:54:28 GMT

Maximum deposit is $2,500.

https://www.citi.com/credit-cards/credit-card-details/citi.action?ID=citi-secured-credit-card&category=view-all-credit-cards&afc=1C2&intc=7~7~67~1~MCT~1~CMSDefaultOffer~1P5ZA2Q711C2L00101W

Re: Citi Secured Card

Lucky7z — Mon, 09 Oct 2017 02:04:39 GMT

So if you pay late once you have to wait a whole year to unsecure?

Re: Citi Secured Card

Anonymous — Mon, 09 Oct 2017 21:12:34 GMT

@morgacj2004 wrote:
Once you get it the card will unsecure in 18 months irregardless of whether or not CITI was IIB. CITI is Very picky so make sure there are no late payments or other issues. I had the card for more than a year. I owed $20 one month and was 3 days late. They refused to unsecure stating I had to wait another year. I got mad and cancelled the card which I now regret.

Mine just graduated.. The line they gave me on the unsecured was the same amount when it was secured..

CLI? Yeah.. For an HP, so no thanks..

Still deciding what to do..

Re: Citi Secured Card

Anonymous — Mon, 09 Oct 2017 22:00:19 GMT

@Anonymous wrote:
@morgacj2004 wrote:
Once you get it the card will unsecure in 18 months irregardless of whether or not CITI was IIB. CITI is Very picky so make sure there are no late payments or other issues. I had the card for more than a year. I owed $20 one month and was 3 days late. They refused to unsecure stating I had to wait another year. I got mad and cancelled the card which I now regret.
Mine just graduated.. The line they gave me on the unsecured was the same amount when it was secured..

CLI? Yeah.. For an HP, so no thanks..

Still deciding what to do..

Keep it and keep using it. You should receive SP CLI language in about 6 months IIRC.