Citi CC after BK7

[nomadic_triathlete]

I was DC'd from my BK7 in 2019.  I burned a Citi card in the BK.  What is the consensus on getting back in with them?  Are they like Chase and you are blacklisted?

[Jnbmom]

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@nomadic_triathlete wrote:

I was DC'd from my BK7 in 2019.  I burned a Citi card in the BK.  What is the consensus on getting back in with them?  Are they like Chase and you are blacklisted?

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Citi has a long memory it will quite sometime .

[NoMoreDebt]

I think most all the good cards will frown at you for a while especially if they were burned, some much longer than others

[Guyatthebeach]

Nomadic_triathelete,

Citi has a very long memory. I was able to get back into Citi 2 years after my chapter 7 discharge with a Best Buy store card. Note that this card is handled through Citi's reatail credit card division. Over the years, I added the Macy's Amex, Wayfair MC, Shop your way rewards MC, and the Costco Visa. 

It can be done, it just takes time.

Guyatthebeach

[jmcmillan]

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@Guyatthebeach wrote:

Nomadic_triathelete,

Citi has a very long memory. I was able to get back into Citi 2 years after my chapter 7 discharge with a Best Buy store card. Note that this card is handled through Citi's reatail credit card division. Over the years, I added the Macy's Amex, Wayfair MC, Shop your way rewards MC, and the Costco Visa. 

It can be done, it just takes time.

Guyatthebeach

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Was Citi included in bankruptcy?

[Guyatthebeach]

jcmcmillan,

Citi was included in my chapter 7 bankruptcy.

Guyatthebeach

[Horseshoez]

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@Guyatthebeach wrote:

jcmcmillan,

Citi was included in my chapter 7 bankruptcy.

Guyatthebeach

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Interesting, Citi was IIB in my 2015 Chapter 13 and so far at least, they won't even give me a secured card.

[FireMedic1]

@nomadic_triathlete 

The cards listed above are serviced by Citi. Not a true Citi card. My Home Depot and Shell are Citi. Just like NFCU More Rewards AMEX. Or even Credit One's AMEX. You wont get into AMEX or Citi for yrs but can have a co-branded service by the big boy bank cards.

[jmcmillan]

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@Guyatthebeach wrote:

jcmcmillan,

Citi was included in my chapter 7 bankruptcy.

Guyatthebeach

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Was Citi retail included? I included Costco and Best Buy in my bankruptcy.  

[Guyatthebeach]

Jcmcmillan,

I included both retail and regular Citi cards in my bankruptcy. 

I always thought that the Costco cards were part of the core Citi portfolio since Citi promotes them heavily on the website, and the retail cards like Best Buy, Sears, and Wayfair aren't. 

I will have to look at the disclosures for those cards when I get home.

Guyatthebeach