How easy is to get Citi CC?

[Yasselife]

Seems like the custom cash and double cash can be a good combination to have in wallet. 
   What are the minimum requirements to be approved? Is Citi sensitive to inquiries and new accounts? Which Bureaus does Citi pull in Florida.

thanks
   

[coldfusion]

A few random comments here to get things moving. Hopefully others will chime in.

Overall Citi is a somewhat conservative lender.  

They have a fairly hard best-case threshold of no more than 6 inquiries over the last 6 months but it is profile-specific; many applicants are held to a tighter standard.    They also have rules about applications needing to be spaced at least 8 days apart and no more than 2 applications in a sliding 60 day window, commonly referred to as the 1/8 and 2/65 rules - 65 days is commonly recommended to ensure all internal Citi systems will report the 60 day threshold as being met.

Their conservative leanings also extend to starting limits although it's possible to grow them over time, in many cases using soft pulls.

In general for their core cards they lean toward pulling from EX but they often pull from EQ, occasionally TU.

[4sallypat]

Citibank is a conservative bank compared to others and seem to be easier with co-branded cards than a major card from them.

Here's a MF link for what states banks pulls from and what specific type of report:

https://ficoforums.myfico.com/t5/General-Credit-Topics/The-quot-Which-Banks-Pull-Which-Report-For-Ap... 

[Anonymous]

Whenever folks say Citi is a "conservative" bank I always think, "relative to what??"

To my mind the truly "conservative" banks are U.S. Bank and Chase. U.S. Bank has its hard-and-fast 1/12 rule - you can only have, at most, one new credit account (whether credit card, mortgage, car loan...) within the past 12 months in order to qualify for a U.S. Bank credit card. That's conservative. There's also U.S. Bank's well-known allergy to even isolated gift card purchases, which it inexplicably classifies as "fraud"/"money laundering" that can, and does often, result in instant account closure and forfeiture of accumulated cashback.

Chase, of course, has its famed 5/24 rule and 2/30 rules: No more than 4 new credit card accounts in the past 24-25 months, and no more than 1 new Chase credit card account in the past 30 days.

The common denominator between the U.S. Bank and Chase rules is that even modestly active credit card "optimizers" can easily exceed (especially in U.S. Bank's case) their thresholds.

By comparison, I don't think Citi is particularly strict.

[creditcarduser1]

I was rejected last week for a Citi Premier and the stated reason was I had a delinquency on my credit report. The said delinquency was over 5 years and 8 months ago. I have a 790 FICO. I called the reconsideration line. I was not able to persuade them. I have had a Citi AA Platinum Select for 25 years with over $35,000 limit and I have never one missed payment. Zero balance. I offered to reduce this credit limit and share some of it with a new Premier card. No dice. AmEx, Discover and Chase have all issued cards to me in the past couple years despite the one delinquency. So in my experience, Citi is very conservative. I guess I will wait until the delinquency falls off after 7 years to reapply.

[NaimeseOGK]

They are really sensitive towards inquires. They denied me the Citi Premier because of "to many recent inquires in the past 6 months". So im gonna garden for 6 months then try again around February 2022

[AverageJoesCredit]

I dont think conservative in this case relates to how many cards you can get but by initial limits and  in mho, Citi fits this bill. They also seem super sensitive to inqs or the appearance of recent inquiries  for many of their products. In example i recently applied for a PL just to see. I wasnt denied due to debt or income but resent inquiries.  Really , lol, i subsequently closed my savings with them. No point keeping it if they wont even think of lending to me . Ymmv of course but I wouldnt expect miracles out the gate with Citi.