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Citi DC Approval and CLI

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Valued Contributor

Re: Citi DC Approval and CLI


@c00mtg wrote:

@imaximous wrote:

Congrats on the approval. I tried this past February and got instantly declined. Called to recon and lady said she'd have to pull my credit again, but the reason for the initial denial was the 2011 BK, and I'd get denied again anyway. So, I said no thanks. I already have this card and other Citi CCs as AU, but I've been wanting to get my own.

Edit: my Fico 8 scores are all in the 750 range


If your BK is from 2011 and you got denied in February 2018, maybe try again on February 2019 when your BK is 8 years old.  Mine is 8 yrs old.


I came across a couple of threads that mentioned Citi's "rule" of 7 years post BK. Not sure how accurate that is, and if it's from filing or discharge, but I applied at 6 yrs 11 months from filing without knowing that. Oh well... 

AMEX | BofA | Barclays | Cap One | Chase | Citi | Discover | GS | PenFed | SYNCB (PP MC, Lowe's, Amazon, PP Credit) | US Bank
Message 11 of 18
Established Contributor

Re: Citi DC Approval and CLI

I don't even see an option or where to request a CLI on my Costco card. I've only had it for 2 months so I'm not due but I'd smash if I knew it was a SP decline...Robot LOL


Message 12 of 18
Valued Contributor

Re: Citi DC Approval and CLI


@imaximous wrote:

@c00mtg wrote:

@imaximous wrote:

Congrats on the approval. I tried this past February and got instantly declined. Called to recon and lady said she'd have to pull my credit again, but the reason for the initial denial was the 2011 BK, and I'd get denied again anyway. So, I said no thanks. I already have this card and other Citi CCs as AU, but I've been wanting to get my own.

Edit: my Fico 8 scores are all in the 750 range


If your BK is from 2011 and you got denied in February 2018, maybe try again on February 2019 when your BK is 8 years old.  Mine is 8 yrs old.


I came across a couple of threads that mentioned Citi's "rule" of 7 years post BK. Not sure how accurate that is, and if it's from filing or discharge, but I applied at 6 yrs 11 months from filing without knowing that. Oh well... 


Not sure on that one.  What i do know is that it clears from your reports 10 yrs from FILE date not D/C date.  AND some people get lucky and are able to remove the ch7 a couple of months before.  Mine is due to fall on July/2020, but will try on May 1st.




FICO 8 Scores EQ 704 / Goal 750, EX 706 / Goal 750, TU 724 / Goal 750

FICO 9 Scores EQ 726 / Goal 750, EX 683 / Goal 750, TU 726 / Goal 750
Message 13 of 18
Valued Contributor

Re: Citi DC Approval and CLI


@jlitnns wrote:

I don't even see an option or where to request a CLI on my Costco card. I've only had it for 2 months so I'm not due but I'd smash if I knew it was a SP decline...Robot LOL


Yeah, mine appeared after 3 months.




FICO 8 Scores EQ 704 / Goal 750, EX 706 / Goal 750, TU 724 / Goal 750

FICO 9 Scores EQ 726 / Goal 750, EX 683 / Goal 750, TU 726 / Goal 750
Message 14 of 18
Super Contributor

Re: Citi DC Approval and CLI


@c00mtgUmm, so i should expect a SP CLI in say 3 months? lol

It's to my understanding that when you request and receive a CLI from Citi and get it that you have to wait 6 months until you are able to achieve another.

Message 15 of 18
Valued Member

Re: Citi DC Approval and CLI

Which bureau did they HP?

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MYFICO EQ 710 TU 773 EX 721
Message 16 of 18
Valued Contributor

Re: Citi DC Approval and CLI

Congrats on your success.


Beginning Journey April 2017 – FICO 8

Current Scores May 2018 – FICO 8

Started this credit game with $8400 TCL in 04/17 now I'm at $150K+.
Message 17 of 18
Valued Contributor

Re: Citi DC Approval and CLI


@Souljah_c wrote:

Which bureau did they HP?


EQ




FICO 8 Scores EQ 704 / Goal 750, EX 706 / Goal 750, TU 724 / Goal 750

FICO 9 Scores EQ 726 / Goal 750, EX 683 / Goal 750, TU 726 / Goal 750
Message 18 of 18
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