Citi Approval after Burning them in Chapter 7

[ScoreHarbor]

Was just approved for the Citi®/AAdvantage® Platinum Select® World Elite Mastercard®. Credit line of $5,000

Burned them on my chapter 7 discharge in February 2020 for around $6k

They pulled Equifax, my current score is 694.

[AndrewF]

Nice. 

I'd always heard that Citi would hate you forever if you burned them in a bankruptcy. I haven't bothered to ask Citi for anything, I was a little sheepish to go near Chase again, but they gave me their Amazon Visa recently on reconsideration.

Maybe Citi's risk appetite is changing? That being said, I've always heard they're the most lenient on co-brands, and the strictest on the Custom Cash card.

I had the Double Cash back before my bk7 and I hated to see the card go because it hadn't been nerfed yet. It had everything. 2% which was unheard of when I got it, but then also a bunch of benefits they stripped like Price Rewind, Purchase Protection, as I understand it, none of that is there anymore.

My new Capital One Venture X has Visa Infinite benefits, and that includes price protection, so I'm back baby. Ready to do some damage. Citi had been sending me Price Rewind checks sometimes more than weekly because I was so vicious about watching everything I bought.

One time I got the Price Rewind on a kamado grill, and then looked and saw that the grill cover had gone down by about $4 as well, so I hit them with both while I was at it and they mailed me $48 for the grill and just under $4 for the cover.

Those were fun times. Then they also paid me a $300 price rewind on a living room set, then it broke on the second year and they had me get a furniture company out to fix it and credited me for the repair under extended warranty.

They probably lost more due to the benefits than they did in my eventual bankruptcy. Citi used to be my favorite card, but the Double Cash got nerfed so bad it's just 2% back now, and not even as you charge things like many other do. It's still 1% when you buy and 1% when you pay.

[nykos5000]

Congrats! I have been reluctant to apply for the Citi Costco card since I burned Citi for a few grand. This gives me hope if I ever apply for the Citi Costco card one day.

EDIT: After reading this post, I've decided to give Citi a chance after burning them almost 10 years in a BK. I was approved for the Costco Anywhere card with a $9,800 limit. I initially had an "under review" notice, however, that was most likely due to a fraud alert I have on my Experian file. I called and it was approved immediately after the CSR verified my number. 

[Woofuls_Mom]

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@nykos5000 wrote:

Congrats! I have been reluctant to apply for the Citi Costco card since I burned Citi for a few grand. This gives me hope if I ever apply for the Citi Costco card one day.

EDIT: After reading this post, I've decided to give Citi a chance after burning them almost 10 years in a BK. I was approved for the Costco Anywhere card with a $9,800 limit. I initially had an "under review" notice, however, that was most likely due to a fraud alert I have on my Experian file. I called and it was approved immediately after the CSR verified my number. 

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How long post filing did it take to get approved for the Costco Visa?

[nykos5000]

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@Woofuls_Mom wrote:

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@nykos5000 wrote:

Congrats! I have been reluctant to apply for the Citi Costco card since I burned Citi for a few grand. This gives me hope if I ever apply for the Citi Costco card one day.

EDIT: After reading this post, I've decided to give Citi a chance after burning them almost 10 years in a BK. I was approved for the Costco Anywhere card with a $9,800 limit. I initially had an "under review" notice, however, that was most likely due to a fraud alert I have on my Experian file. I called and it was approved immediately after the CSR verified my number. 

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How long post filing did it take to get approved for the Costco Visa?

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I'm about 9.5 years post file date. Although, it seems like Citi may let you back in much sooner than that for the cobranded cards. I've never mustered the courage to try until now, because I've always heard Citi was tough when you burn them in a BK. YMMV and they may now have different undewriting rules.