topic Re: Easy Citi Card to get in Credit Cards

Easy Citi Card to get

corymcd88 — Sun, 06 Apr 2014 18:33:06 GMT

What is the easiest Citi card you can get? I have two paid CO and one paid Collection. The paid CO was payed on Oct 2013 and are four years old. EX FICO 753.

Re: Easy Citi Card to get

gdale6 — Sun, 06 Apr 2014 19:08:25 GMT

@corymcd88 wrote:
What is the easiest Citi card you can get? I have two paid CO and one paid Collection. The paid CO was payed on Oct 2013 and are four years old. EX FICO 753.

They will most likely double pull EX EQ. I dont like this bank and I dont have a card but in my reading multi forums the Dividend and Thank You Pref appear to be the easiest to qualify for.

Re: Easy Citi Card to get

B335is — Sun, 06 Apr 2014 19:12:57 GMT

Have you tried their pre-screen offers? Best Buy or Home Depot are probably 2 of the easiest.

Re: Easy Citi Card to get

corymcd88 — Sun, 06 Apr 2014 19:24:30 GMT

@B335is wrote:
Have you tried their pre-screen offers? Best Buy or Home Depot are probably 2 of the easiest.

Yes, I still got declined.

Re: Easy Citi Card to get

greatness1 — Sun, 06 Apr 2014 19:41:16 GMT

Citi is funny like that. I can't get a home depot card but yet, i qualify for amex, barclays, discover, chase. It must be the internal scoring system they use.

Good luck

Re: Easy Citi Card to get

aubie1kenobie2 — Sun, 06 Apr 2014 19:58:44 GMT

I qualified for the Citi Diamond with a limited credit history and it was my first prime card. Don't know if it helped that I had a BT done during the app.

Re: Easy Citi Card to get

corymcd88 — Sun, 06 Apr 2014 20:39:46 GMT

@greatness1 wrote:
Citi is funny like that. I can't get a home depot card but yet, i qualify for amex, barclays, discover, chase. It must be the internal scoring system they use.
Good luck

I have AMEX is more well know then Citi and I can't get a Citi card.

Re: Easy Citi Card to get

j_casteel — Sun, 06 Apr 2014 20:46:36 GMT

Why do you want one? Just to have a Citi or do you have a purpose for one?

Re: Easy Citi Card to get

eagle2013 — Sun, 06 Apr 2014 20:51:02 GMT

OP, "easiest" is very subjective. I'd argue that Citi cards in general are among the hardest to get, even more difficult than AMEX & Chase. The irony is Citi's rewards structure, particularly with the TYP, is very subpar compared to UR (Chase) or MR (AMEX).

It is my understanding that Citi cards <$5k report as flexible spending limits so I'd imagine that the underwriting criteria is relatively the same for all Citi cards. Your COs are old, paid. With that FICO you shouldn't have a problem getting approved, providing that you have few recent inqs and new accounts.

Re: Easy Citi Card to get

corymcd88 — Sun, 06 Apr 2014 21:02:19 GMT

@j_casteel wrote:
Why do you want one? Just to have a Citi or do you have a purpose for one?

I have heard on the fourm anout how good is they TYP card but I want a Bestbuy card for the 6% off.

Re: Easy Citi Card to get

Shock — Sun, 06 Apr 2014 22:32:44 GMT

I would say Citi Diamond Preferred is the easiest since it's primarily a balance transfer card. Same with Chase Slate. Not many rewards, and you will presumably carry a balance and take advantage of 0% Intro APR.

I would definitely agree that Citi is a little funny though. They instantly approved my CDP for 500 bucks. LOL what balance transfer do they intend me to transfer for 500 bucks? Works for some people I guess. But at the same time my highest was a 700 dollar Chase Amazon so I don't blame them. Anyways, I did a CLI via online and got denied. Reconned it with the EO and they gave me my first legit limit of 3000. So I am greatful, but the card hasn't seen much usage primarily because it doesn't have a lucrative rewards structure (like most Citi cards). Looking to PC when my one year anniversary hits.

They double pulled me EX EQ and later pulled EX for my CLI request.

Re: Easy Citi Card to get

B335is — Mon, 07 Apr 2014 00:20:03 GMT

Citi is a hard nut to crack, but once you're in their cards are like potato chips

Citi Executive AAdvantage is probably the easiest card they offer. Citi is hungry for those $450 AF and over at flyertalk just about anybody with a pulse is approved.

Re: Easy Citi Card to get

Shock — Mon, 07 Apr 2014 00:46:24 GMT

@B335is wrote:
Citi is a hard nut to crack, but once you're in their cards are like potato chips

Citi Executive AAdvantage is probably the easiest card they offer. Citi is hungry for those $450 AF and over at flyertalk just about anybody with a pulse is approved.

True that. I'm aready prequalified for all of their cards lol. Don't think I want prestige though, or any 450 AF for that matter. I do like the AAdvantage but probably wont be flying much American. The hub in San Fran here is United...so...

Re: Easy Citi Card to get

ways2go — Mon, 07 Apr 2014 02:16:09 GMT

Two different divisions.. Citibank Cards are tougher then the CitiCorp backed cards... For me Citibank Cards are the toughest and hardest.... I'm backlisted from them since 1989 BK.. Now the Citi backed Shell, I was able to receive....

Re: Easy Citi Card to get

corymcd88 — Mon, 07 Apr 2014 04:39:25 GMT

@ways2go wrote:
Two different divisions.. Citibank Cards are tougher then the CitiCorp backed cards... For me Citibank Cards are the toughest and hardest.... I'm backlisted from them since 1989 BK.. Now the Citi backed Shell, I was able to receive....

Citi told me they are the same. Are they like Bestbuy and Home Depot? I have gotten pre approvals for Citi main and Home Depot three times. I would like Best Buy card.

Re: Easy Citi Card to get

Shock — Mon, 07 Apr 2014 04:40:44 GMT

i would apply for it in store. i can see you getting approved for maybe 1k, similar to the rest of your cards.

Re: Easy Citi Card to get

corymcd88 — Mon, 07 Apr 2014 16:59:57 GMT

@Shock wrote:
i would apply for it in store. i can see you getting approved for maybe 1k, similar to the rest of your cards.

You think only in store?

Re: Easy Citi Card to get

Shock — Mon, 07 Apr 2014 20:03:43 GMT

@corymcd88 wrote:
@Shock wrote:
i would apply for it in store. i can see you getting approved for maybe 1k, similar to the rest of your cards.
You think only in store?

not exclusively in store but you may have a better chance. definitely different from a bank but for FWIW i did 2 cards in bank and I am 2 for 2