@BigDraco wrote:I piggy backed off of @jeffsters1's post about the Citi Dillards Mastercard. I had a recent charge-off with citi, pretty recently, like in 2021 . I mildly burnt citi (about 6k) with my double cash card, them due to my business going under. I did the prequalifiation fully expecting a denial, but it came back as pre-approved for $800 my smallest limit, but it seems as though they are willing to let me back in the door with them. I don't know if citi's co-branded cards have the same approval standards as are with citi's main credit cards, but I accepted it anyways, it's a good place to start rebuilding my relationship with them. A win is a win as they say.
My credit score has improved greatly since then, low 500s to in the high 700s a few steps I took that probably helped. I opened up a checking account with them, sat about $1500 in it. Also, the charged-off citi account is no longer with citi, I attempted to settle with them recently, the account had been sold to a collection agency. Anyways I just wanted to share my citi blacklist journey and the good news!
So you're not really back in with Citi. You burnt Citicard, not Citi Retail. They're two different arms of the same company and operate separately. They don't always communicate with each other (every now and then a closure will cascade across both arms), but I can guarantee that if you tried to get back in with Citicard (primary cards such as Strata, AA, Costco, etc) that you'd be denied. Citi Retail is far more lenient with their approvals process.
