topic Citi Bank Relationship? in Credit Cards

Citi Bank Relationship?

Desmoire — Tue, 28 Oct 2014 20:26:11 GMT

I was approved for my Besy Buy card through Citi on saturday. Will this relationship increase the likelyhood that I would get approved for a citi card in the future?

Re: Citi Bank Relationship?

Anonymous — Tue, 28 Oct 2014 20:29:24 GMT

@Desmoire wrote:
I was approved for my Besy Buy card through Citi on saturday. Will this relationship increase the likelyhood that I would get approved for a citi card in the future?

I'm not sure. It's a co-brand card.

Anyone else?

Re: Citi Bank Relationship?

Anonymous — Tue, 28 Oct 2014 20:32:09 GMT

Not necessarily.

I have a Best Buy card as well (have had them for over a year at least) and was denied two weeks ago for Citi's Double Cash card. They claimed it was due to my previous relationship with them but the only other account I have with Citi is that Best Buy account, which has never been late on a payment.

I sent them an e-mail to reconsider my application but they wanted to pull my credit report again and I just didn't think it was worth it at this time. I already have a quite a few EX inquiries and didn't feel like getting two or more over one card.

Anyway, that's just my experience with them.

Re: Citi Bank Relationship?

chalupaman — Tue, 28 Oct 2014 20:35:23 GMT

I don't think they're that much of a relationship bank. If you have more than 6 inquiries in the last six months, you'll get automatically denied for stuff like the Citi Double Cash and not even the EO can overturn that decision. That was my experience first hand and one of the reasons why I haven't applied for anything that pulls EX since early September and intend to keep it that way until January.

Re: Citi Bank Relationship?

Jlu — Tue, 28 Oct 2014 20:39:27 GMT

The title of this thread is an oxymoron. Citi is like the Ice Queen of CCC's.

Re: Citi Bank Relationship?

Anonymous — Tue, 28 Oct 2014 20:48:22 GMT

@chalupaman wrote:
I don't think they're that much of a relationship bank. If you have more than 6 inquiries in the last six months, you'll get automatically denied for stuff like the Citi Double Cash and not even the EO can overturn that decision. That was my experience first hand and one of the reasons why I haven't applied for anything that pulls EX since early September and intend to keep it that way until January.

Those EX INQ's sure are some sticky buggers, unfortunately. And that's exactly what Citi told me when I apped for DC.

@Jlu wrote:
The title of this thread is an oxymoron. Citi is like the Ice Queen of CCC's.

Lol..

Re: Citi Bank Relationship?

Desmoire — Tue, 28 Oct 2014 20:51:01 GMT

@Anonymous wrote:
@chalupaman wrote:
I don't think they're that much of a relationship bank. If you have more than 6 inquiries in the last six months, you'll get automatically denied for stuff like the Citi Double Cash and not even the EO can overturn that decision. That was my experience first hand and one of the reasons why I haven't applied for anything that pulls EX since early September and intend to keep it that way until January.
Those EX INQ's sure are some sticky buggers, unfortunately. And that's exactly what Citi told me when I apped for DC.

@Jlu wrote:
The title of this thread is an oxymoron. Citi is like the Ice Queen of CCC's.
Lol..

I hate experian lol. Getting them to remove my last 2 baddies was like pulling teeth. And all of the good CCC's pull EX. Sucks...

Re: Citi Bank Relationship?

Anonymous — Tue, 28 Oct 2014 20:52:28 GMT

@Desmoire wrote:
@Anonymous wrote:
@chalupaman wrote:
I don't think they're that much of a relationship bank. If you have more than 6 inquiries in the last six months, you'll get automatically denied for stuff like the Citi Double Cash and not even the EO can overturn that decision. That was my experience first hand and one of the reasons why I haven't applied for anything that pulls EX since early September and intend to keep it that way until January.
Those EX INQ's sure are some sticky buggers, unfortunately. And that's exactly what Citi told me when I apped for DC.

@Jlu wrote:
The title of this thread is an oxymoron. Citi is like the Ice Queen of CCC's.
Lol..
I hate experian lol. Getting them to remove my last 2 baddies was like pulling teeth. And all of the good CCC's pull EX. Sucks...

Unfortunately, Yes.

There's a few good cards that are TU and EQ pullers, but they're few and far in between.

Re: Citi Bank Relationship?

skigirl916 — Tue, 28 Oct 2014 20:55:21 GMT

I don't think Citi and "relationship" can be used in the same sentence.

Re: Citi Bank Relationship?

Anonymous — Tue, 28 Oct 2014 21:00:44 GMT

@skigirl916 wrote:
I don't think Citi and "relationship" can be used in the same sentence.

It's against the law of relativity, actually.

Re: Citi Bank Relationship?

Desmoire — Tue, 28 Oct 2014 21:11:44 GMT

My wife is an AU on her mothers Citi TYP card, and TU is reporting as if its her card. Opened in 1991 which is when she was born ha. Can she expect the other 2 bureaus to report the same way?

Pretty legit to have a 750 score right out the gate. Super jealous.

Re: Citi Bank Relationship?

Anonymous — Tue, 28 Oct 2014 21:15:34 GMT

Check them.

Re: Citi Bank Relationship?

Desmoire — Tue, 28 Oct 2014 21:22:51 GMT

@Anonymous wrote:
Check them.

We can't unfortunately. For some reason she doesn't have a score with EX or EQ yet.

Re: Citi Bank Relationship?

Anonymous — Tue, 28 Oct 2014 21:23:48 GMT

@Desmoire wrote:
@Anonymous wrote:
Check them.
We can't unfortunately. For some reason she doesn't have a score with EX or EQ yet.

What about a report?

You could backdoor into the other two bureau's and check.

Re: Citi Bank Relationship?

Anonymous — Tue, 28 Oct 2014 21:24:44 GMT

OP, I app'd the Citi Double Cash and was approved on 10/16, then a week later I app'd the Citi Premier (was approved) and they didn't even do another hard pull. I am not sure if this would be the case for a co-branded Citi and an in-house Citi card. You could call and ask though. I'm sure they would be forthcoming with info. When I have spoke with them on the phone they are understanding of my credit sensitive questions and have offered any information I've requested.

Re: Citi Bank Relationship?

Luscher — Tue, 28 Oct 2014 22:18:16 GMT

@Desmoire wrote:
My wife is an AU on her mothers Citi TYP card, and TU is reporting as if its her card. Opened in 1991 which is when she was born ha. Can she expect the other 2 bureaus to report the same way?

Pretty legit to have a 750 score right out the gate. Super jealous.

That could potentialy be a problem when trying to recon in the future. They will ask how she had a card in the same year she was born, when looking at her report

Re: Citi Bank Relationship?

Anonymous — Tue, 28 Oct 2014 22:21:43 GMT

@Luscher wrote:
@Desmoire wrote:
My wife is an AU on her mothers Citi TYP card, and TU is reporting as if its her card. Opened in 1991 which is when she was born ha. Can she expect the other 2 bureaus to report the same way?

Pretty legit to have a 750 score right out the gate. Super jealous.

That could potentialy be a problem when trying to recon in the future. They will ask how she had a card in the same year she was born, when looking at her report

Loose credit laws?

Re: Citi Bank Relationship?

Luscher — Wed, 29 Oct 2014 02:38:46 GMT

Its impossible to have a credit card in your name at that age

Re: Citi Bank Relationship?

Anonymous — Wed, 29 Oct 2014 02:42:53 GMT

@Luscher wrote:
Its impossible to have a credit card in your name at that age

You'd be surprised. There's probably still dead people with credit cards in their name from before the CARD act.

Re: Citi Bank Relationship?

tcbofade — Wed, 29 Oct 2014 02:49:32 GMT

@Luscher wrote:
Its impossible to have a credit card in your name at that age

Not impossible, just rare. Parents often add children as AU's to accounts to build a credit history for them. My 19 year old son has an account that shows four years of history...and so does his 16 year old sister. Both have cards in their names.