topic Does Having Citi Card Relationship helps for future card approval? in Credit Cards

Does Having Citi Card Relationship helps for future card approval?

Anonymous — Fri, 31 Aug 2018 17:30:57 GMT

I know AMEX does.. What about Citi?

Thinking of Cancelling my Citi DC account, also thinking of keeping it if it would help for future Citi Card approvals.

Please let me know your experience.

Re: Does Having Citi Card Relationship helps for future card approval?

FinStar — Fri, 31 Aug 2018 19:14:54 GMT

IMO, I believe most FIs tend to evaluate or take that relationship into consideration, but it depends on the actual lender. It's not necessarily a "shoe-in" for a guaranteed approval since lenders are still going to review your overall profile.

In some cases it can be a determining factor given internal behavioral scores and exposure across affiliates or existing products, for instance.

Re: Does Having Citi Card Relationship helps for future card approval?

Anonymous — Fri, 31 Aug 2018 22:22:10 GMT

and its closed.. Another one bites the dust..

Rep was shocked that I was closing the card, and I told em the reason for closure was the growth of the card. She asked me how much CL was my highest and I told her 15K and she was just shocked that I wasn't taken cared of by them as they helped me with my credit when I started with a FICO score of a 588. I started as a secured card from them and built my credit back up.

Re: Does Having Citi Card Relationship helps for future card approval?

SweetCreditObsession — Fri, 31 Aug 2018 22:51:54 GMT

Did you ever try for another card, in addition to the one that'd graduated?

Re: Does Having Citi Card Relationship helps for future card approval?

Anonymous — Fri, 31 Aug 2018 23:01:01 GMT

@SweetCreditObsession wrote:
Did you ever try for another card, in addition to the one that'd graduated?

Appd for any of their other cards you mean?

Nothing really enticed me..

Re: Does Having Citi Card Relationship helps for future card approval?

Anonymous — Sat, 01 Sep 2018 18:20:51 GMT

I'm in the same boat with citi...I have a DC WEMC and a Costco VISA Signature and there's really nothing else in their arsenal that would be useful to me.

Re: Does Having Citi Card Relationship helps for future card approval?

Anonymous — Tue, 04 Sep 2018 20:55:01 GMT

@Anonymous wrote:
I'm in the same boat with citi...I have a DC WEMC and a Costco VISA Signature and there's really nothing else in their arsenal that would be useful to me.

If you have UR points with CSR and MR points with Amex.. Do you even look back at Citi Thank You points?

Re: Does Having Citi Card Relationship helps for future card approval?

Anonymous — Wed, 05 Sep 2018 14:43:45 GMT

@Anonymous wrote:
@Anonymous
If you have UR points with CSR and MR points with Amex.. Do you even look back at Citi Thank You points?

Well said!

Citi, no Thank you.

Re: Does Having Citi Card Relationship helps for future card approval?

Anonymous — Wed, 05 Sep 2018 17:09:09 GMT

@Anonymous wrote:
I'm in the same boat with citi...I have a DC WEMC and a Costco VISA Signature and there's really nothing else in their arsenal that would be useful to me.

Citi Thank You Premier has a 60k signup bonus. You can use that for hotels, airfare or gift cards. Seems pretty much a no brainer for anyone who doesn't have one. 600 dollars at a minimum.

Re: Does Having Citi Card Relationship helps for future card approval?

Anonymous — Wed, 05 Sep 2018 17:10:54 GMT

Back to the original question. I don't think it matters much for you to have an open card. And having a high limit on one card might get you declined on another card if you are at their maximum exposure. You can always lower the limit on a current card before applying for a new one if you don't want to cancel.

@Anonymous wrote:
@Anonymous wrote:
I'm in the same boat with citi...I have a DC WEMC and a Costco VISA Signature and there's really nothing else in their arsenal that would be useful to me.

Citi Thank You Premier has a 60k signup bonus. You can use that for hotels, airfare or gift cards. Seems pretty much a no brainer for anyone who doesn't have one. 600 dollars at a minimum.