topic Re: Easiest Citi Card to get? in Credit Cards

Easiest Citi Card to get?

TeeandDee — Tue, 21 Feb 2012 13:11:00 GMT

I'm interested in apping for a Citi credit card next year (lol), I was denied last month, so I figured I'd wait a year. There are so many so It's hard to select one that will give me my best chance of getting approved. If I maintain my current EQ/TU FICO scores or higer, what's the Citi card I should go for? And my highest CL is on my Discover right now..not sure how they are with CLI's so let's just say it's the same amount next year $1500, will Citi beat that? I'm trying to get a credit card with a limit of $2000 - $5000 CL next year.

Re: Easiest Citi Card to get?

Anonymous — Tue, 21 Feb 2012 13:16:01 GMT

If you're a student, student cards are definitely easier. As for regular cards, I don't really know...but the Dividend card is pretty popular, which I guess you could say means it's not THAT hard to get.

Citi is generally pretty good with giving nice starting CL's. My Dividend Student started at $4,000...6 months is coming up so I don't know what will happen when I ask for a CLI. But the $4,000 was and still is far and away my highest CL of all my cards.

Re: Easiest Citi Card to get?

smc733 — Tue, 21 Feb 2012 13:51:46 GMT

A couple of things about Citi:

-Their accounts are generally not that difficult to qualify for (I.E., you can typically get an account with low AAoA, etc., no "1 year" requirements like Chase/Amex) (Citi was my first unsecured card).

-They've become pretty inquiry sensitive lately, so look out for that.

-They usually offer nice starting CLs.

Re: Easiest Citi Card to get?

Anonymous — Tue, 21 Feb 2012 14:45:58 GMT

I don't have solid evidence to back this up, but I looked around on the internet for the same information, and the consensus seemed to be that the Platinum Select was the easiest. I applied for it and sure enough, I got approved (I had applied for Driver's Edge some time ago and was denied.)

Re: Easiest Citi Card to get?

rottiesworld — Tue, 13 May 2014 06:04:33 GMT

I have been working on my credit since my bankruptcy 4 years ago.

I have a Walmart card for 1,200.00 when opened and a few increases to 1,900.00

I got message on Walmart site that I quilify for upgrade to Walmart Discover card.

I accepted and got approved for 4,000.00.

I also applied for Sam's club Dicover card approved for 3,000.00.

I also have other cards, And my fico score is showing at 755.

I wanted to get a Diamond Preferred card from Citi bank.

I applied online and was denied right away, was feeling sad.

I waited throught out the day and called at night.

The recorder said I was denied due to a Bankruptcy.

I could not believe they would still look at that after 4 years.

I guess if you have a bankruptcy, you better wait longer.

Citi pulled experian and I live in Southern California.

Transunion 693 Experian 725 Equifax 698

Re: Easiest Citi Card to get?

Creditaddict — Tue, 13 May 2014 06:09:13 GMT

citi pulls EX here in CA in my experience for new apps and they are NOT BK friendly. (always exceptions and their co-branded cards are for sure)

Re: Easiest Citi Card to get?

Anonymous — Tue, 13 May 2014 11:23:11 GMT

For a creditor, BK is a pretty significant risk indicator, so not sure why you are surprised that they looked back 4 years! But, as CA says, Citi isn't known to be BK-friendly

Re: Easiest Citi Card to get?

Ghoshida — Tue, 13 May 2014 11:54:01 GMT

Citi Dividend Platinum Select (Student version) was my second card. I got it with total 6 months of credit history and one existing credit card. Starting limit was $2k (still there). The bonus categories are not the best but not bad either. Plus 1% cashback on all purchases otherwise. Much better than Thankyou points, which seems difficult to figure out.

Re: Easiest Citi Card to get?

clocktick — Tue, 13 May 2014 13:16:29 GMT

Citi seems to give decent starting CLs as well as CLIs in my experience. My first one ever was the Diamond Preferred. I have many Citi cards and they were all pretty easy to get. I was given the lowest limit wih their Surpass.

Re: Easiest Citi Card to get?

injustifiiable — Tue, 13 May 2014 17:56:48 GMT

Ugh.

I've been trying for a Citi for awhile. They don't like the one open collection that I have, even though it's more than six years old. It's the only reason they cite in their denial letter. Kind of annoying.

I tried for the Dividend thinking that would be the easy one.