I had to charge offs with Citi - one for $7,500; one for $3,800. Last payment was in 2014. They sold both to Portfolio, and I settled the debts with them for a total of $6,000 last summer. Both were deleted from my reports per their new policy.
Last night on a whim, I decided to apply for their American Airlines card since I have an upcoming trip to Europe - approved for a $9,400 limit! I thought for sure I'd be on the Citi blacklist forever - I guess they forgave me. My TU is sitting at 697, EX at 674 and EQ at 692.
