@Anonymous wrote:
I normally would be frustrated but not in this case. I was happy they gave me the card with the BK there. I don't NEED the CLI as I'm just doing it to help utilization as I want to upgrade my Hiliton Amex card so I'm hoping they do not care. After BK I got on my feet and was really good until some unfortunately things happened where I was holding balances again. I managed to get through those and just paid all my credit cards that had balances off the past few days. Just in time for my BK to drop off. I just need a couple weeks to go by for the credit cards to report to the CAs and I should be good. I got a EE for the BK from TU but haven't even tried EX or EP as I'm still 5 months out. Hopefully the BK will fall off the EX in June then I will try for the CLI again as I think that is what Citibank uses. It has been a long road for me to get here and I'm almost at the end of the tunnel.
Your situation seems to echo what others have shared. Citi may approve you with a BK on file past a certain number of years depending on the card type. However, many people have also mentioned CLI denials because of the BK. It does seem odd they'll use that as a reason after approving you for a card, but I've also experienced the same. I got approved for the Prestige card with a BK on file. Then, I requested a CLI when the SP language showed up about 2 weeks from approval. The denial reason was the BK. It could also be that I asked way too soon, but they stated BK on the letter.
Citi used EX for my last card approval, but I believe they rely mainly on EQ for CLIs and most credit decisions. The CLI denial letter referenced EQ as the source of credit info. They use EQ Bankcard model, which is the score they provide you with online.
