Congrats and Thanks again!
I burned Citi somewhere in the neighborhood of 3k to 5k. I defaulted in 2008, then filed in 2014. I apped for this card last November ‘17 and was denied for BK. I didn’t recon 😩 when I had the chance. If I’m not mistaken, Citi still use the Fico 8 model, right?
I was thinking of trying again later this year as my scores currently sit around 680’s across the board under the Fico 8 model, and 650’s with the Fico 9.... which is confusing because my understanding the 9 model is suppose to be a little more forgiving. I think Penfed is one of a hand full of banks that use the 9.
Can any one confirm which system Citi uses for this card?
Thanks!
