I want to apply for citi, which 1

[sobeone1]

Citi scares me for some reason. Never could get a pre approval. I hear co branded 1's are easier. I would like to know whats an easier citi card to app for that is Balance transfer friendly with all my HP's. Its probably to late in my credit journey with all my hd's. Nixon? Irish80?

[Anonymous]

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@sobeone1 wrote:

Citi scares me for some reason. Never could get a pre approval. I hear co branded 1's are easier. I would like to know whats an easier citi card to app for that is Balance transfer friendly with all my HP's. Its probably to late in my credit journey with all my hd's. Nixon? Irish80?

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Citi is very inquiry sensitive.... If you are ready to recon then I'd say have at it.  If not, give it sometime for your accounts to age a bit befoe you apply..

[Anonymous]

You already know my answer.

Prestige.

Paypal offer of $25 on approval is still good.

[pipeguy]

Best Citi backed store card is Home Depot and since you have a high limit Lowes already you could ask them to match it - they probably won't but they'll start you at a good limit. Last Summer I got a HD card with a starting limit of $600 on reciept I asked for $6000, they made it $6700, recently they incresed that to $10k. Note that I have a $17k Lowes card. HD does run zero percent financing at times and to me that's a big plus (I use Lowes special financing a lot too)