topic Re: Questions about Citi credit cards in Credit Cards

Questions about Citi credit cards

Anonymous — Sat, 30 Mar 2013 06:46:32 GMT

Hi!

I'm interested in the Thank You Premium / Prefered to finish up my last app spree.
Which bureau does Citi pull?
Are they inquiry sensitive?
Do they care if my "newest" account (auto loan) was opened a month ago?

Re: Questions about Citi credit cards

Anonymous — Sat, 30 Mar 2013 06:50:47 GMT

Lol. Now I know why amex keeps denying you for the BCP. You have appitis.
But sooner or later you will run out of options and have to stop long enough to get one
I don't know much about citi cards so is hall be peeking at this thread me thinks.

Re: Questions about Citi credit cards

Anonymous — Sat, 30 Mar 2013 07:21:25 GMT

haha no this is actually my 1st app spree.

i was going to settle for just CSP and BCP, but american express doesn't want me. I actually applied for BCP first!

This is my 1st app spree. For the past 2 years I've only 2 credit cards!

I'm applying for 1 last card and then I'm not going to do any more apps for a good period of time

Re: Questions about Citi credit cards

boomhower — Sat, 30 Mar 2013 09:23:36 GMT

Did you recon Amex? Profile in sig looks good.

Re: Questions about Citi credit cards

Anonymous — Sat, 30 Mar 2013 09:26:02 GMT

yea i did. still got denied.

they cited my loan balance was too high. nothing i can do about that until my next statement for auto loan cuts to reflect the amount i've paid off. i even offered to send them proof of payment and stuff, but still couldn't get anything done. Amex recon seems to be reading off whatever the screen's telling them, so it's really hard to get anything done.

Re: Questions about Citi credit cards

iowapilot84 — Sat, 30 Mar 2013 10:52:50 GMT

I apped for the AAdvantage Visa a little over a month ago and Citi pulled EQ. I'm in Iowa amd they have always been a reliabe EQ puller here. I had three recent inquiries and was instantly approved. What are your scores? How about util and aaoa? I was around 740 when they pulled and 18% total util when they pulled. 6 years aaoa.

Re: Questions about Citi credit cards

Anonymous — Sat, 30 Mar 2013 11:25:52 GMT

i only have FAKOs for EQ and TU. They're 766 for EQ and 740 something for TU. My EX FICO is 768 from what amex gave me.

util is $2 owed out of all my CLs if I don't include auto loan. AAoA currently is almost 5yrs.

I'm in california, so I am hoping they pull anything but EX. I already got 8-9 inquiries on it and I don't want to add anymore onto my EX report.

If anyone else's know let me know too.

Thanks!

Re: Questions about Citi credit cards

iowapilot84 — Sat, 30 Mar 2013 12:00:54 GMT

That's surprising Amex declined you but they are finicky at times. If you already have an account with them you can always try applying and it will only be a SP unless approved; at least that has been my experience in the past! As far as Citi is concerned everything looks good to me. Your util is low and you have a good AAoA. How many recent inqs do you have on EQ? I did try apping to them a few years ago and had around 8 recent inquiries and was denied; that was the top reason cited on the denial letter if memory serves me correctly. You could always freeze the EX report before you apply if you don't want them pulling it :-) Good luck and let us know what you decide to do!

Re: Questions about Citi credit cards

lg8302ch — Sat, 30 Mar 2013 12:23:30 GMT

Citi pulled EX for me in OR. while Discover and Chase were bothered by 7 inq in 2 months Citi did not seam to care 2 months later and they even issued me the highest CL ever on the AAdvantage card. Expected a straight denial but it was a nice surprise

Re: Questions about Citi credit cards

Anonymous — Sat, 30 Mar 2013 12:25:13 GMT

how do i freeze my ex reports? so they wont be able to see it at ll and are forced to pull TU/EQ?

i have 1 inquiry total on both EQ and TU for the past 2 years. Not too sure which one Discover pulled but I surely hope it's EQ or TU rather than EX.

i don't have any amex accounts and i've already taken 2 HPs in total for 2 denies in a row by amex

Re: Questions about Citi credit cards

Anonymous — Sat, 30 Mar 2013 12:42:53 GMT

Enharu,In illinois they pull Equifax\

Go to Equifax Transunion Experian website and is listed there /Freeze your report and it will guide you step by step.Good luck my man

Re: Questions about Citi credit cards

Anonymous — Sat, 30 Mar 2013 13:07:13 GMT

what happens if they try to pull EX and EX is frozen? will they go to another CRA then?

Re: Questions about Citi credit cards

navigatethis12 — Sat, 30 Mar 2013 13:57:28 GMT

@Anonymous wrote:
what happens if they try to pull EX and EX is frozen? will they go to another CRA then?

No. They will ask to unfreeze or will not process the application. I think someone said they asked the executive office to pull a different bureau, but regular customer service will not. I applied with a Maryland address and they looked at Equifax, and when I used a Michigan address, they used Experian. I was denied on Equifax because of about 14 or so inquiries but they approved two when they looked at Experian that had a little more inquiries on it.

Re: Questions about Citi credit cards

SnackTrader — Sat, 30 Mar 2013 15:04:40 GMT

Citi pulled both EX and TU for my application.

Re: Questions about Citi credit cards

Open123 — Sat, 30 Mar 2013 15:08:29 GMT

For me in Northern CA, Citi has always pulled Ex.

Re: Questions about Citi credit cards

mirachi — Sat, 30 Mar 2013 18:22:33 GMT

Citi pulled Experian for both my Dividend & Forward cards (NY).

Re: Questions about Citi credit cards

Anonymous — Sat, 30 Mar 2013 21:00:12 GMT

@navigatethis12 wrote:
@Anonymous wrote:
what happens if they try to pull EX and EX is frozen? will they go to another CRA then?
No. They will ask to unfreeze or will not process the application. I think someone said they asked the executive office to pull a different bureau, but regular customer service will not. I applied with a Maryland address and they looked at Equifax, and when I used a Michigan address, they used Experian. I was denied on Equifax because of about 14 or so inquiries but they approved two when they looked at Experian that had a little more inquiries on it.

ah i see. do you know where can i find the EO office contact info? I the backdoor numbers thread, but didn't see anything there.

so is it worth it to freeze my ex report and see if they're willing to process my app based upon my TU/EQ? I do not plan to unfreeze it no matter what, so worst case scenario I'll deal with a rejection. So it only takes 10-15mins to freeze and unfreeze as well?

Thanks a lot everyone!

Re: Questions about Citi credit cards

dodgerslv — Sat, 30 Mar 2013 21:10:48 GMT

EQ and EX here in NV.

Re: Questions about Citi credit cards

Anonymous — Sat, 30 Mar 2013 21:18:13 GMT

thanks a lot for the info!