Re: Has Citi finally forgiven me??

WhiteCollar · ‎10-31-2021

Hi there!

So I've been on Citi's naughty list for several years due to both my Macy's and Bloomingdales' accounts being charged off. I was unemployed and could not pay. Once I began to receive steady income again, I settled the accounts for less than the amount owed. After that, I tried to get a Costo Visa and was denied on two occasions. My income is great and scores are good! I have 1-2% ultilzation currently with $75k available credit.

I received "pre-selected to apply" offers for the Citi Double Cash and the Citi Rewards cards. Both have BT offers which I do really need. I would absolutly love to get back in Citi's good graces but do not want a denial because pre selected is not the same as pre-approved and sacrafice a HP. Also if I applied for a Citi Card, I'd prefer to have a Costo Visa or the Custom Cash because my PCR and Apple card provides 2% cash back on all purchases.

Any advice on how I should proceed?

TIA!

FalconSteve · ‎10-31-2021

Those offers don't usually check the blacklist (they are 3rd party contracted)

1/8/17 Discover $18300 CL- $1k SL- AU, wife
1/26/20 AmEx Cash Magnet $35k CL, wife
2/19/20 BB&T/Truist Rewards $11k SL- impulse application
2/22/20 Citi Double Cash WEMC $2.9k-->$4.4k-->$8.4k-->$13.4k-->$17.4k-->$19.4k-->$22.4k-->27.4k AU, wife
3/8/20 Wells Fargo Propel AmEx/Autograph VISA $2900-->$3200-->$5000-->$8800-->$13k-->$15.5k CL- AU, wife
3/9/20 Truist Rewards $11k SL --> $13.5k- AU, wife- impulse app
3/21/20 REDcard MasterCard (TD Bank) $2500-->$6000-->$6500 CL
11/24/20 AmEx Cash Magnet $10k SL-->36hr-->$20k-->$35k CL
6/10/21 SoFi World Elite MC $7000 SL
1/19/22 AppleCard/GS $6k-->$10k-->$11k-->$12k AU, wife
8/15/22 Chase freedom flex $10.3k SL-->$12.5k-->$15k-->$19k AU, wife
7/5/23 Lowes/Synchrony $4k-->$10k-->same day-->$35k CL
8/2/23 Chase freedom flex $19k --> $22.8k-->24.3k CL
8/2/23 Discover $8k SL

SouthJamaica · ‎10-31-2021

@WhiteCollar wrote:
Hi there!

So I've been on Citi's naughty list for several years due to both my Macy's and Bloomingdales' accounts being charged off. I was unemployed and could not pay. Once I began to receive steady income again, I settled the accounts for less than the amount owed. After that, I tried to get a Costo Visa and was denied on two occasions. My income is great and scores are good! I have 1-2% ultilzation currently with $75k available credit.

I received "pre-selected to apply" offers for the Citi Double Cash and the Citi Rewards cards. Both have BT offers which I do really need. I would absolutly love to get back in Citi's good graces but do not want a denial because pre selected is not the same as pre-approved and sacrafice a HP. Also if I applied for a Citi Card, I'd prefer to have a Costo Visa or the Custom Cash because my PCR and Apple card provides 2% cash back on all purchases.

Any advice on how I should proceed?

TIA!

There is no basis for thinking that they have forgiven you. This was just marketing.