Citibank Secured Card Question

[Anonymous]

Hello All

Lately I've been curious about the Citibank Secured Card. 

Does anyone know the highest and lowest credit scores approved for their secured card?

I am slowly rebuilding my credit and debating on when the right time will be. I want to make sure I'm still considered a canidate for their secured card when the time comes. Currently paying off a collection, while having an installment loan (self lender) and Discover it secured. UTL decreased to 84% from 98% and it will continue to decrease.

I checked my experian and my FICO 8 score is currenlty 559

Thanks in advance for answering ~ 

[Anonymous]

My score was around yours when I successfuly app'd that card.  I wish I hadn't , they seem pretty firm on no early graduation for the full 18 months.  Maybe that isnt a big deal for you, for me it is.  My scores rebounded very quickly and now regret not just sticking to cap 1 and discover.  Good luck either way

[calyx]

---

---

My scores were around 610 when I was approved.
I've seen (recent) posts that Citi will sometimes graduate after 12 months (one reportedly was graduated at 9 months).   I don't mind the full 18 month wait, though - it will graduate to a legacy product (Diamond Preferred) that can be PCed, and I wanted to establish a relationship with Citi.   If you don't mind the wait, it's not a bad card, and you still get the price protection (and hey, free EQ Bankcard 8 score )   Plus, no AF like many secured cards.  I'm happy with it.

[sjt]

---

@calyx wrote:

---

---

My scores were around 610 when I was approved.
I've seen (recent) posts that Citi will sometimes graduate after 12 months (one reportedly was graduated at 9 months).   I don't mind the full 18 month wait, though - it will graduate to a legacy product (Diamond Preferred) that can be PCed, and I wanted to establish a relationship with Citi.   If you don't mind the wait, it's not a bad card, and you still get the price protection (and hey, free EQ Bankcard 8 score )   Plus, no AF like many secured cards.  I'm happy with it.

---

Too add on to your post, Citi lets you product change after it graduates. They are also good with SP CLI and APR reduction.

[Anonymous]

---

@Anonymous wrote:

My score was around yours when I successfuly app'd that card.  I wish I hadn't , they seem pretty firm on no early graduation for the full 18 months.  Maybe that isnt a big deal for you, for me it is.  My scores rebounded very quickly and now regret not just sticking to cap 1 and discover.  Good luck either way

---

Thank you so much, I'll give them a go next month then :] Yeah I think that part really blows but I'm alright with it because I have one unsecured already. I mostly just want to get my foot in the door with them to increase my chances of getting the DC later on. 

[Anonymous]

---

@calyx wrote:

---

---

My scores were around 610 when I was approved.
I've seen (recent) posts that Citi will sometimes graduate after 12 months (one reportedly was graduated at 9 months).   I don't mind the full 18 month wait, though - it will graduate to a legacy product (Diamond Preferred) that can be PCed, and I wanted to establish a relationship with Citi.   If you don't mind the wait, it's not a bad card, and you still get the price protection (and hey, free EQ Bankcard 8 score )   Plus, no AF like many secured cards.  I'm happy with it.

---

That's pretty cool, I wouldn't mind either, the longer I keep it, the better it is for my score lol.
I am definitely asking for the PC. Do you know if they limit which products you can request?
Thanks for your response :] Yeah that is one of the biggest perks in my book lol, the EQ Bankcard 8 score