This time last year I was approved for all their cards but I had others I wanted first. I've check their prequal monthly since September and I've had nothing show. Id try the prequal Home Depot and it would come back with nothing until last week. I do get monthly American Airline prequal lettters in the mail the entire time. I just want one of their cards for the free Fico bank card score.
I do not believe it is because Citi hates you. The issue is that Citi like most banks has a very long memory for people that did them wrong. It can easily take 7 years for them to give you another chance. Also Citi is currently considered unstable so they are not open to risk at this time. The fact that the reason changed can be considered progress. Be aware that when buying a car multiple inquiries can happen as lenders are shopped. While they count as one when they are inside 45 days for scoring that does not stop lenders from counting each one independently if they want. Also Citi does not like recent credit to be issued to their customers so your probably scaring them.
@zerofire wrote:I do not believe it is because Citi hates you. The issue is that Citi like most banks has a very long memory for people that did them wrong. It can easily take 7 years for them to give you another chance. Also Citi is currently considered unstable so they are not open to risk at this time. The fact that the reason changed can be considered progress. Be aware that when buying a car multiple inquiries can happen as lenders are shopped. While they count as one when they are inside 45 days for scoring that does not stop lenders from counting each one independently if they want. Also Citi does not like recent credit to be issued to their customers so your probably scaring them.
Long memory indeed. 13 years since charge off. Now 790 scores 3% utilization 300k in limits, checking and savings accounts... Still no love from CITI on a CC!
