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Citi Application??

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CreditPoor
Frequent Contributor

Citi Application??

Yesterday, I applied for the Macy's Amex and Best Buy Visa and was approved for both. My question is does the two cards mentioned apply to the Citi 1/8 and  2/65 rule?

 

Was considering a Citi card but did not want to throw a way a hardpull if it's an instand denial due to the above mentioned

Message 1 of 4
3 REPLIES 3
citymunky
Established Contributor

Re: Citi Application??

Citi shouldn't be counting accounts until they appear on your credit credit report. 

 

However depending on the state you live Citi changes what CRA(s) they will do the hard pull from. They might seen the INQ from the best buy card. I assume you had a open AMEX account, so no EX HP there.

Rebuilding since 2021


Closed CCs
USAA (Jul 2019| Settled CO), Jasper $1K CL (Jul21-Jul22), Sable $250CL{Secured} (Jan22-Jun23), CreditOne Platinum $750CL (Jul21-Aug23), Prosper $1.9K CL (Jan22-Apr24), Self $625 CL {$350 Secured } (Aug21-Jul24)

Starting FICO 8 Scores:
Current FICO 8 Scores:


Message 2 of 4
GZG
Senior Contributor

Re: Citi Application??


@CreditPoor wrote:

Yesterday, I applied for the Macy's Amex and Best Buy Visa and was approved for both. My question is does the two cards mentioned apply to the Citi 1/8 and  2/65 rule?

 

Was considering a Citi card but did not want to throw a way a hardpull if it's an instand denial due to the above mentioned


I imagine the rules are far less strict for citi retail cards than they are for citi core cards

 

I assume for the citi core card they will deny for the 1/8 inquiry rule before the 1/8 new accounts rule before even getting to the 2/65 rule

 

I'd wait out the 65 days at least or try to look for some more DPs of citi core cards happening after Citi retail cards

Starting FICO 8:
Current FICO 8:



Message 3 of 4
CreditPoor
Frequent Contributor

Re: Citi Application??

Searched and found zero DPs on this subject. Must be the first one ever considering it

Message 4 of 4
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