topic Re: Citi credit cards... in Credit Cards

Citi credit cards...

kobe2012 — Mon, 22 Oct 2012 16:26:15 GMT

just curious, why is citi so hard to get??? what are their requirements??

i hardly see any citi credit card approvals.....

Re: Citi credit cards...

Anonymous — Mon, 22 Oct 2012 16:55:38 GMT

I got in right before my score increased to a 670....658....maybe they saw a 670 because it increase like a day later to that....AAdvabtage AMEX...love it. Tied to my bank sect for easy payment transfer and I got my miles as soon as the statement cut on last Friday

Re: Citi credit cards...

kobe2012 — Mon, 22 Oct 2012 17:07:27 GMT

@Anonymous wrote:
I got in right before my score increased to a 670....658....maybe they saw a 670 because it increase like a day later to that....AAdvabtage AMEX...love it. Tied to my bank sect for easy payment transfer and I got my miles as soon as the statement cut on last Friday

how many inquiries prior??? any baddies??

Re: Citi credit cards...

Anonymous — Mon, 22 Oct 2012 17:29:15 GMT

I have CITI AAdvantage Amex as well, and I love it! I have Sears and Home Depot as well, which are citi cards.

Re: Citi credit cards...

mxp114 — Mon, 22 Oct 2012 17:30:42 GMT

I think it's mostly because the systematic decisions are enforced 99.99% of the time. You can't call Citi and talk your way from a decline into a $15,000 approval or recon that $500 limit into $5,000, etc. However the system decisions your application, that is upheld and very rarely overturned.

Re: Citi credit cards...

Anonymous — Mon, 22 Oct 2012 17:54:42 GMT

I have gotten 4 Citi cards this year. AA, Simplicity, TY Preferred and Diamond. $35K in CL's. Easy for me. Scores in the low 700's. 8 year old Chapter 7 BK too

Re: Citi credit cards...

Anonymous — Mon, 22 Oct 2012 18:07:36 GMT

Lots of inquiries and 2 paid COs....

I was very surprised. I do have a secured card that just unsecured last year. Still a 200.00 limit though. Also have 3 Citi backed gas cards

Re: Citi credit cards...

nicholasyud — Mon, 22 Oct 2012 19:02:58 GMT

Spark : how old your collection ????? What limit did they gave u ?????

Re: Citi credit cards...

Anonymous — Mon, 22 Oct 2012 19:06:40 GMT

3500....one collection from 07 and one from 2010 paid

Re: Citi credit cards...

nicholasyud — Mon, 22 Oct 2012 19:08:33 GMT

Nice limit.....do you have any other cards before you apps for City ???

Re: Citi credit cards...

Anonymous — Mon, 22 Oct 2012 19:24:02 GMT

Yes, 3 cap ones, FP, Credit One, and lots of store cards, GE backed

Oh yeah, NFCU 5k limit

Re: Citi credit cards...

nicholasyud — Mon, 22 Oct 2012 19:31:43 GMT

Great thnks

Re: Citi credit cards...

youngandcreditwrthy — Mon, 22 Oct 2012 19:45:26 GMT

Congrats! maaaannn, I want that Diamond Preferred card; she's a beautyyyyy!

Re: Citi credit cards...

Anonymous — Mon, 22 Oct 2012 20:17:02 GMT

@youngandcreditwrthy wrote:
Congrats! maaaannn, I want that Diamond Preferred card; she's a beautyyyyy!

You obsessing over the looks of a card again?

Re: Citi credit cards...

Anonymous — Mon, 22 Oct 2012 21:01:02 GMT

This thread inspired me to fall of the wagon and apply for the city aa amex, approved for 3500 instant. I am a credit junky, I am really supposed to be in the garden at this point FICO is 681 and freedom card is my highest limit at 3k and citi forward 6 months old at 2.5k

Re: Citi credit cards...

WhiteCollar — Mon, 22 Oct 2012 21:02:37 GMT

Congrats on the approval!!

Re: Citi credit cards...

Epcot — Mon, 22 Oct 2012 21:33:22 GMT

Congrats dimitrip, that's great!

Re: Citi credit cards...

youngandcreditwrthy — Mon, 22 Oct 2012 23:47:51 GMT

lol yes :-P I need to get to 720 though! LOl Congrats on the aa Amex!!!! City is spelled Citi btw ;-)

Re: Citi credit cards...

Bay_Area_Joe — Tue, 23 Oct 2012 00:59:44 GMT

I find with Citi that you need all informaiton perfect on credit application and matching your Credit Report.

When I got mine earlier this year I had to time the statement cuts, balances reported, low utilization all perfectly.

Citi hates to issue new accounts to those who got other new accounts within 6 months.

Citi also hates inquiries that are within 12 months.

Citi in my experience use Experian too.

I got my Diamond Prefered 3/2012, with 10.3k credit line, but it took a lot of planning and work to time it all exactly.

I even pulled and paid for all three reports the day I applied. Think perfection in the process.

I am very happy to have mine, and lucky.

Without this forum I would not have learned so much of the how to's....

Re: Citi credit cards...

nicholasyud — Tue, 23 Oct 2012 03:41:31 GMT

@Bay_Area_Joe wrote:
I find with Citi that you need all informaiton perfect on credit application and matching your Credit Report.

When I got mine earlier this year I had to time the statement cuts, balances reported, low utilization all perfectly.

Citi hates to issue new accounts to those who got other new accounts within 6 months.

Citi also hates inquiries that are within 12 months.

Citi in my experience use Experian too.

I got my Diamond Prefered 3/2012, with 10.3k credit line, but it took a lot of planning and work to time it all exactly.

I even pulled and paid for all three reports the day I applied. Think perfection in the process.

I am very happy to have mine, and lucky.

Without this forum I would not have learned so much of the how to's....

i might contact you for my next apps spree lol