topic Re: Chase or Citi...? in Credit Cards

Chase or Citi...?

Charmante — Fri, 14 Aug 2020 18:48:00 GMT

Out of the two, which is Easier to be Approved for AND the best at CLI's and Multiple Account Approval (after established)...?

Re: Chase or Citi...?

M_Smart007 — Fri, 14 Aug 2020 18:51:25 GMT

@Charmante wrote:
Out of the two, which is Easier to be Approved for AND the best at CLI's and Multiple Account Approval (after established)...?

Chase will deny you if you are 5/24

Citi will deny for 6/6 Inqs (I believe)

Someone else could probably better clarify on Citi.

Re: Chase or Citi...?

Tonya-E — Fri, 14 Aug 2020 19:00:24 GMT

For me Citi has been by far more generous with CLIs (see my recent Chase post ). But that is just MY experience. It is not the case for others. Citi seems to be more lenient with new accounts than Chase. Chase has the 5/24 rule which limits 5 new cc accounts per 24 months. I have not heard the same said of Citi. I have never opened 5 cards within 24 months so I can't solidly confirm that.

Re: Chase or Citi...?

LakeLife — Fri, 14 Aug 2020 19:04:59 GMT

The best thing about Citi is you can request CLI online versus wasting a bunch of time on the phone.

Re: Chase or Citi...?

staticvoidmain — Fri, 14 Aug 2020 19:18:37 GMT

Citi has SP CLI request.

With Chase, well, all you can do with Chase is hope for the day that you know will never come.

Re: Chase or Citi...?

Tonya-E — Fri, 14 Aug 2020 19:14:05 GMT

@staticvoidmain wrote:
Citi has SP CLI request.

With Chase, well, all you can do with Chase is hope for the day that you know will never come.

^^^^^^

THIS!!

Re: Chase or Citi...?

Charmante — Fri, 14 Aug 2020 19:16:20 GMT

LOL! It appears that Chase is very difficult to deal with... haha

Which CITI card is best to app for, for getting foot in door? (easiest approval)

Re: Chase or Citi...?

LakeLife — Fri, 14 Aug 2020 19:25:57 GMT

@Charmante wrote:
LOL! It appears that Chase is very difficult to deal with... haha

Which CITI card is best to app for, for getting foot in door? (easiest approval)

Check out their pre-qualify page:

https://www.citicards.com/cards/credit/application/flow.action?isInvitation=N

Re: Chase or Citi...?

Remedios — Fri, 14 Aug 2020 19:26:55 GMT

@Charmante how many cards did you acquire in the last 3 months?

Re: Chase or Citi...?

Anonymous — Fri, 14 Aug 2020 19:30:34 GMT

@LakeLife Prequal is down and has been for several months now...

Re: Chase or Citi...?

Anonymous — Fri, 14 Aug 2020 20:17:32 GMT

I'll do a little counterpoint here.

Chase was my easiest because I was their customer for 10 years. They sent me prequals for everything. They definitely have a relationship component.

As to CLI, I've never asked for one. However, my CSP (now CSR) was 5k and recieved multiple CLIs to it's current limit at 20,500. My Freedom Unlimited was 1k and now 6500. And my Freedom was 5k initially, and I took 2k to the FU, and they brought it back to 5k.

CLIs can happen. They just never happen to my Amazon card.

Re: Chase or Citi...?

Charmante — Fri, 14 Aug 2020 20:43:53 GMT

@Remedios 1; Home Depot yesterday. I only Pre-Qual and ask questions 99% of the time. I'm scared of wasted HP's.

Why?

Re: Chase or Citi...?

Charmante — Fri, 14 Aug 2020 20:48:12 GMT

Will the JUST opened HD card make me ineligible for an ACTUAL Citi card?

Re: Chase or Citi...?

K-in-Boston — Fri, 14 Aug 2020 20:54:31 GMT

@Charmante wrote:
Out of the two, which is Easier to be Approved for AND the best at CLI's and Multiple Account Approval (after established)...?

Citi and Chase have fairly equal underwriting for their core cards as far as scoring goes, but each have their own limitations when it comes to certain things like recent credit-seeking and newly opened accounts.

For starting amounts and raw dollar amounts of CLIs, I have personally had better luck with Chase. However, SP CLIs in the $1500-5000 range every 6 months have been the norm in my experience on Citi cards. Both seem to be okay with multiple products.

Re: Chase or Citi...?

K-in-Boston — Fri, 14 Aug 2020 20:56:52 GMT

@LakeLife wrote:
The best thing about Citi is you can request CLI online versus wasting a bunch of time on the phone.

The last time I called Chase for a CLI on my CSR, the call lasted under a minute. While I understand some people are hesitant to call and would rather just click a few buttons and let the machines decide (this is my preference, too) I would not really consider it wasting a bunch of time.

Re: Chase or Citi...?

K-in-Boston — Fri, 14 Aug 2020 20:59:31 GMT

@Charmante wrote:
LOL! It appears that Chase is very difficult to deal with... haha

Which CITI card is best to app for, for getting foot in door? (easiest approval)

I have not found Chase difficult to deal with other than manual underwriting recon in the past, but that's them protecting themselves and was on me not them.

Given your stats and recent applications, I would say that if you really want to "get your foot in the door," consider a secured card from Citi which will later graduate.

Re: Chase or Citi...?

K-in-Boston — Fri, 14 Aug 2020 21:01:58 GMT

@Charmante wrote:
Will the JUST opened HD card make me ineligible for an ACTUAL Citi card?

CBNA and Citi are the same parent company but their underwriting is not intertwined and the accounts are managed separately. The HD card would not change your approval odds for a Citi card any more than if that were a card from another issuer, but that doesn't mean a newly opened card won't impact your ability to be approved.

Re: Chase or Citi...?

marcforza1 — Fri, 14 Aug 2020 22:07:19 GMT

I've had no issues with getting approved through Chase. They managed to approve me for two cards when my scores were in the lower 600s when even I though that I wouldn't have a chance at an approval. And I think part of it may be due to the fact that I've been with them for a long time and that I went in the branch directly to app for the FU. Only difficult thing with Chase is the CLI because it's a HP if you request it. Only card from Citi I've been denied for was the Best Buy card back in 2013. That, was understandable when my score wasn't the best with a few collections at the time.

Re: Chase or Citi...?

Azza — Sat, 15 Aug 2020 00:08:49 GMT

Why do I get this? As a matter of fact I get this on almost every website I visit. I live in Oregon.

Re: Chase or Citi...?

K-in-Boston — Sat, 15 Aug 2020 01:13:58 GMT

@Azza wrote:
Why do I get this? As a matter of fact I get this on almost every website I visit. I live in Oregon.

You're getting the Citi prequalification page loading when you visit other websites?