Re: CITI/Chase Testing

KJT · ‎09-16-2023

Looking to test the waters applying for a Chase/CITI card..... What's the best path approximately 8 years post BK7.

BK Filed 06/15 and D/C 09/15 Current FICO 8/9 Scores EQ 778/814 EX 720/783 TU 769/783 AMEX BCE $30K, Delta AMEX $15k, AMEX Platinum NPSL, AMEX Marriott Bonvoy $9.3K, AMEX Hilton Aspire $9.3K, Apple Mastercard $9K, BOA Unlimited Custom Cash Visa $15K, BOA Travel Rewards Visa $15K, BBT Travel Reward Visa $7.5K, BBT Brightstar Visa $7.5K, Target $5k, Banana Republic $7.5k, Chase Sapphire Preferred $5K, CITI Custom Cash $3K, CITI Macy AMEX $2k, NFCU eSignature Visa $48k, NFCU CLOC $15k, NFCU AMEX Rewards $30k, Comendity NFL $30.4k, PayPal $10k, Capital 1 Wal-Mart $6k, Amazon Prime $10k, CITI-Double Cash $3k, PENFED Power Cash Reward 20k, PENFED AMEX $20K, PENFED Platinum $10k, PENFED Credit Union CLOC 1.5k, PENFED New Car Loan 6% APR 33k 72 MTHS-Paid Off, PENFED Signature Loan 19k 48 MTHS, Nordstrom 15K; Raymour $5.3, USAA AMEX Reward $18.5K, USSA Visa Reward $13.5K, Target $5K, Infiniti Q50 2019 $44K-1.9% APR 72 months-Paid Off. Total CC Limits $401K.

Jnbmom · ‎09-16-2023

First question is did you include either in your BK ? They have long memories.

Both have a prequalify sites .

EXP 780 EQ 796 TU 810

risingup2day · ‎09-16-2023

I would say fill out application online then hit submit. 😂. I'm in the same boat, however I know I would not qualify for Chase as I am above 5/24. I am going to apply for Citi next month. Our profiles are similar, plus one year on my BK7 (2014).

All kidding aside, based on the fact you did not included any data on your BK7, sound like you ready to take the plunge! Please let us know how it turns out! Wishing you the best.

KJT · ‎09-16-2023

No neither were included.

BK Filed 06/15 and D/C 09/15 Current FICO 8/9 Scores EQ 778/814 EX 720/783 TU 769/783 AMEX BCE $30K, Delta AMEX $15k, AMEX Platinum NPSL, AMEX Marriott Bonvoy $9.3K, AMEX Hilton Aspire $9.3K, Apple Mastercard $9K, BOA Unlimited Custom Cash Visa $15K, BOA Travel Rewards Visa $15K, BBT Travel Reward Visa $7.5K, BBT Brightstar Visa $7.5K, Target $5k, Banana Republic $7.5k, Chase Sapphire Preferred $5K, CITI Custom Cash $3K, CITI Macy AMEX $2k, NFCU eSignature Visa $48k, NFCU CLOC $15k, NFCU AMEX Rewards $30k, Comendity NFL $30.4k, PayPal $10k, Capital 1 Wal-Mart $6k, Amazon Prime $10k, CITI-Double Cash $3k, PENFED Power Cash Reward 20k, PENFED AMEX $20K, PENFED Platinum $10k, PENFED Credit Union CLOC 1.5k, PENFED New Car Loan 6% APR 33k 72 MTHS-Paid Off, PENFED Signature Loan 19k 48 MTHS, Nordstrom 15K; Raymour $5.3, USAA AMEX Reward $18.5K, USSA Visa Reward $13.5K, Target $5K, Infiniti Q50 2019 $44K-1.9% APR 72 months-Paid Off. Total CC Limits $401K.

OCONUS · ‎09-16-2023

Are those you current scores?

Why is your EX Score lower comparing to other two?

Affinity Cash Rewards Visa Signature Card | $10,000

KJT · ‎09-16-2023

Approved for a CITI-Double Cash $3K limit. Not what I wanted but will take it.

BK Filed 06/15 and D/C 09/15 Current FICO 8/9 Scores EQ 778/814 EX 720/783 TU 769/783 AMEX BCE $30K, Delta AMEX $15k, AMEX Platinum NPSL, AMEX Marriott Bonvoy $9.3K, AMEX Hilton Aspire $9.3K, Apple Mastercard $9K, BOA Unlimited Custom Cash Visa $15K, BOA Travel Rewards Visa $15K, BBT Travel Reward Visa $7.5K, BBT Brightstar Visa $7.5K, Target $5k, Banana Republic $7.5k, Chase Sapphire Preferred $5K, CITI Custom Cash $3K, CITI Macy AMEX $2k, NFCU eSignature Visa $48k, NFCU CLOC $15k, NFCU AMEX Rewards $30k, Comendity NFL $30.4k, PayPal $10k, Capital 1 Wal-Mart $6k, Amazon Prime $10k, CITI-Double Cash $3k, PENFED Power Cash Reward 20k, PENFED AMEX $20K, PENFED Platinum $10k, PENFED Credit Union CLOC 1.5k, PENFED New Car Loan 6% APR 33k 72 MTHS-Paid Off, PENFED Signature Loan 19k 48 MTHS, Nordstrom 15K; Raymour $5.3, USAA AMEX Reward $18.5K, USSA Visa Reward $13.5K, Target $5K, Infiniti Q50 2019 $44K-1.9% APR 72 months-Paid Off. Total CC Limits $401K.

SouthJamaica · ‎09-17-2023

@KJT wrote:
Approved for a CITI-Double Cash $3K limit. Not what I wanted but will take it.

Congratulations on the approval.

Unify FCU Platinum Visa Variable Rate 35k

TD Bank Business Solutions Visa (Bus) 25k

FNBO Evergreen Business Edition Visa (Bus) 20k

Liberty (formerly Evansville Teachers) FCU Platinum Prime Plus MC 15k

US Bank Triple Cash Rewards Visa (Bus) 12k

Geo-fenced credit union Platinum Visa 10500

Members 1st FCU Low Rate Platinum Visa 5k

PLOC: Langley FCU 40k; Penfed CU 15k; NFCU 15k; Teachers FCU 15k; Affinity FCU 10k. BLOC: NFCU 5k

Total revolving limits 586020 (520820 reporting) FICO 8: EQ 706 TU 701 EX 692

firefox100 · ‎09-17-2023

Congrats on getting approved for citi card enjoy it have fun.

NoMoreE46 · ‎09-20-2023

Chase is back

https://ficoforums.myfico.com/t5/Credit-Card-Applications/Chase-pre-approval-site-is-active/m-p/6710...

but don't think Citi's is active.

zerofire · ‎09-26-2023

I will make this easy. Chase will not touch you for the 10yr that it takes to remove the BK. If it shows then they will not do any new buisness with you. You have a better chance with Citi because they ease up after 4-7yr and you did not even include them in your BK.

TU:816 12/19/24 Bank of America--EX: 809 01/03/25 Experian--EQ:836 01/06/25 myFICO--Gardening since N/A

Active:
Bank of America (Unlimited Cash Rewards WMC, Customized Cash Rewards WMC, Customized Cash Rewards VSC), Capital One Savor WEMC, Chase (Amazon Prime VSC, Freedom Flex WEMC [x2], Freedom Unlimited VC), Citi (Custom Cash WEMC, Dividend MC), Citizens GreenSense WMC, Curve WEMC(Suspended), Discover It C, FNBO Ducks Unlimited VSC, GBank VSC, PenFed (Platinum Rewards VSC, Pathfinder Rewards VSC), Santander Ultimate Cash Back WMC, Synchrony PayPal Cashback WMC, UMB Simply Rewards VC[Milford Federal], US Bank (Altitude Go VSC, Cash+ VSC [x2], Pick n Save/Metro Market WEMC)
Wishlist: AAA Daily Advantage, AOD Signature, Bellco Colorado Rewards, Nusenda Platinum Cash Rewards, PCMCU Platinum Rewards, Redstone FCU Signature

CITI/Chase Testing

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CITI/Chase Testing