citi fico?

[havoc]

Hello all, my brother is wanting the citi prestige, for the airport lounges, and 4th night benefit. He is not a fan of AMEX for 1 reason or another and has no interest in the CSP.

He thinks he is a "shoe in" with fico 08 scores in the 690's, he has some newer accounts showing, most under 6 months, but some with larger limits (15-20k).  We are having a little bit of a disagreement cause from my research in the past on citi is that they pull the credit card fico score, not regular 08. Am i wrong or has something changed, i have told him to get on here and pay to get 3b and see what bank card scores are but he is not sure it is necessary. Any input would be appreciated if for no other reason than to win a brother argument. Thanks all.

[RonM21]

That's a good question that I'm waiting to hear someone with knowledge answer. I never thought about who they pulled.

[myjourney]

They will pull an Fico 08 score 

They give an EQ Fico CC enhanced score to customers as a monthly perk 

So yes he will need to know his EX/EQ fico scores 

Also to note Citi can be INQ sensitive 

[havoc]

Thanks journey, guess i was wrong. Thought that they pulled bankcard 08. Oh well, am out a case of bud light, and he doesn't share, dang.

[Anonymous]

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@havoc wrote:

Hello all, my brother is wanting the citi prestige, for the airport lounges, and 4th night benefit. He is not a fan of AMEX for 1 reason or another and has no interest in the CSP.

He thinks he is a "shoe in" with fico 08 scores in the 690's, he has some newer accounts showing, most under 6 months, but some with larger limits (15-20k).  We are having a little bit of a disagreement cause from my research in the past on citi is that they pull the credit card fico score, not regular 08. Am i wrong or has something changed, i have told him to get on here and pay to get 3b and see what bank card scores are but he is not sure it is necessary. Any input would be appreciated if for no other reason than to win a brother argument. Thanks all.

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You are correct. I was approved for the DC last month, and they used the Bankcard Enhanced version of Fico 8.