cancel
Showing results for 
Search instead for 
Did you mean: 

Citi Pre-Qualified for the first time since 2013! Is this a good sign?

Auto Loans for ANY Credit Situation. Immediate Response.
Advertiser disclosure
Highlighted
Senior Contributor

Citi Pre-Qualified for the first time since 2013! Is this a good sign?

Back in early 2013, I burned Citi for about $5.2K with the Citi Dividend. They also closed out my Sears card in good standing. Ever since, I have been Blacklisted from Citi for "Past Relationship" when I attempted to apply for the Best Buy and Double Cash cards. The Citi Dividend chargeoff on my report dropped off last month on all three credit bureaus. The prequal always comes back with nothing, until today. Pre-qualified for the Citi Simplicity and Double Cash. Is this a good sign moving forward with Citi? Just wondering, still in the garden until the Fall. 

Citi PreQual.png





Message 1 of 13
12 REPLIES 12
Highlighted
Moderator

Re: Citi Pre-Qualified for the first time since 2013! Is this a good sign?

It's definitely a positive sign given the offer. This usually can mean that you may no longer be on the naughty list.

Just keep in mind that, like any other pre-approved offer, it's not 100% guaranteed. But, if some validation is needed, this sign points in the right direction if you're still gun-shy come Fall this year 👍
Message 2 of 13
Highlighted
Senior Contributor

Re: Citi Pre-Qualified for the first time since 2013! Is this a good sign?


@FinStar wrote:
It's definitely a positive sign given the offer. This usually can mean that you may no longer be on the naughty list.

Just keep in mind that, like any other pre-approved offer, it's not 100% guaranteed. But, if some validation is needed, this sign points in the right direction if you're still gun-shy come Fall this year 👍

It would be nice to get off the Citi naughty list. Smiley Happy

 

I am never gun-shy. Just need to cool off a bit after a busy last 3 months with 6 new cards. Smiley Very Happy





Message 3 of 13
Highlighted
Super Contributor

Re: Citi Pre-Qualified for the first time since 2013! Is this a good sign?

 Congratulations on your offer!

Message 4 of 13
Highlighted
Super Contributor

Re: Citi Pre-Qualified for the first time since 2013! Is this a good sign?

<fingers crossed>



3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>03/2020 CCT EX 832 TU 848 EQ 842

I'd get it one piece at a time
And it wouldn't cost me a dime
You'll know it's me when I come through your town
I'm gonna ride around in style
I'm gonna drive everybody wild
'Cause I'll have the only one there is around.

- Johnny Cash One Piece At A Time
Message 5 of 13
Highlighted
Regular Contributor

Re: Citi Pre-Qualified for the first time since 2013! Is this a good sign?

Awesome!  I've yet to see that yet, am looking forward to the day.NFCU Flagship $28,000

Message 6 of 13
Highlighted
Valued Member

Re: Citi Pre-Qualified for the first time since 2013! Is this a good sign?

congrats on the prequalification!

 

hopefully it does mean that you're no longer black listed with them.

 

 








Gardening Start 2/19/2020
Message 7 of 13
Highlighted
Senior Contributor

Re: Citi Pre-Qualified for the first time since 2013! Is this a good sign?

Congrats on the prequal!  Sometimes knowing you have a solid shot with a bank (even if not guaranteed) feels just as good as getting a new account Smiley Happy


EQ: 792 | EX: 785 | TU: 781 | Accounts: 2/6 4/12 10/24
Happy practitioner of AZE6or7or8
Message 8 of 13
Highlighted
Senior Contributor

Re: Citi Pre-Qualified for the first time since 2013! Is this a good sign?


@fredzos wrote:

congrats on the prequalification!

 

hopefully it does mean that you're no longer black listed with them.

 

 


Thank you! Yeah, that would be nice! 





Message 9 of 13
Highlighted
Senior Contributor

Re: Citi Pre-Qualified for the first time since 2013! Is this a good sign?


@calyx wrote:

Congrats on the prequal!  Sometimes knowing you have a solid shot with a bank (even if not guaranteed) feels just as good as getting a new account Smiley Happy


Thank you! Yeah, it is definitely a better feeling knowing you have a better shot with the prequal. Smiley Very Happy





Message 10 of 13
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.