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citi black list?

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Member

citi black list?

I settled with citi for about 1/2 of what I owed them 10 or so years ago...so paid 10K and they wrote off 10K. It's been off my credit report for years now.

 

Is it worth apping for a citi card....or not much chance?

 

Thanks- 

Message 1 of 14
13 REPLIES 13
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Moderator

Re: citi black list?

Only way to know for sure is when you apply. Keep in mind that there's always that possibility you may still be on their internal database, but you'd also incur the HP when you apply.
Message 2 of 14
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Senior Contributor

Re: citi black list?

Try their pre-qual.

"America was not built on fear. America was built on courage, on imagination and an unbeatable determination to do the job at hand." --Harry S Truman

"The future doesn't belong to the fainthearted; it belongs to the brave." - Ronald Reagan

“Nothing in life is to be feared, it is only to be understood. Now is the time to understand more, so that we may fear less.”
— Marie Curie
Message 3 of 14
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Member

Re: citi black list?

just tried prequl - and recieved "we couldn't match your records to a Pre-Qualified credit card offer." Just was approved for 7K HSBC 10 minutes ago...So, I'm thinking they have not forgotten. 

Message 4 of 14
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Super Contributor

Re: citi black list?

Congratulations on your HSBC approval!
Message 5 of 14
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Senior Contributor

Re: citi black list?


@clipperco wrote:

just tried prequl - and recieved "we couldn't match your records to a Pre-Qualified credit card offer." Just was approved for 7K HSBC 10 minutes ago...So, I'm thinking they have not forgotten. 


You can try their Home Depot pre-qual too.  

"America was not built on fear. America was built on courage, on imagination and an unbeatable determination to do the job at hand." --Harry S Truman

"The future doesn't belong to the fainthearted; it belongs to the brave." - Ronald Reagan

“Nothing in life is to be feared, it is only to be understood. Now is the time to understand more, so that we may fear less.”
— Marie Curie
Message 6 of 14
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Super Contributor

Re: citi black list?


@clipperco wrote:

just tried prequl - and recieved "we couldn't match your records to a Pre-Qualified credit card offer." Just was approved for 7K HSBC 10 minutes ago...So, I'm thinking they have not forgotten. 


Congrats on your approval!

Message 7 of 14
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Valued Contributor

Re: citi black list?

I burned them, did not prequal, and was approved for $8k Costco.

Rebuild started in 2014  -  $100k+ unsecured credit in 2017  -  $350k+ unsecured credit in 2020.

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Message 8 of 14
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Super Contributor

Re: citi black list?

@clipperco
You can't go off the prequal. I don't get the pre-qualification offers at the moment.
I burned them for more than $100k over ten years ago.
I have 6 cards with them now. You'll never know unless you try!
I thought I'd never be approved by them either. So far, they've never denied me a new CC.
Message 9 of 14
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Valued Contributor

Re: citi black list?


@Gmood1 wrote:
... I burned them for more than $100k over ten years ago. I have 6 cards with them now ... 

Wow, G! Nice share.

Am I the only one that would like to hear more of that story?

Pretty please ... Smiley Wink

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