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Citi Diamond preferred,and the temple of noREWARDS

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Established Contributor

Citi Diamond preferred,and the temple of noREWARDS

 
Hello, to everyone on the Fico boards...
 
Soooo......I'm back in with Citi, and off their BLACKLIST  YaY Smiley Very Happy !!!
 
Data 1st: HP Exp.740
Exp.8inq. SL $500.oo
 
A lil Back story,during the great recession,when getting a CC or loan only required a pulse Smiley Indifferent lol I had burned citi for double digit/5 figures...(Not the highlight of my life.)
 
whew...so glad that's behind me, now back in Apr. I apped for the Citi secured CC,not sure why I jus really wanted back in with all the banks I burned. No surprise really, I got  denied...for a secured CC Smiley Embarassed
 
Fast forward.......>>> Oct.
 
Ok so, Maybe a week ago I got a pre-selected invite for Citi Diamond preferred with specific Apr. in letter reading here on the forum, this is a really good sign. For someone looking to be appr. for a Citi CC..... I got really excited cause I never received any of there marketing invites before even when I was a customer. So I figured this is my way back in Smiley Tongue !!! Apped and immediately went to review....
 
A day pass, and I got a Citi email saying I need to call in. And the guy on the phone jus needed to verify me. I jus gave my information waited on hold ...(heart pounding)
 
Then he comes back with " you will be very happy to know, I got you appr. For $500 initial SL I couldn't believe my ears he welcomed me to the Citi family red carpet congratulations everything...I was sooooo...freaking happy  Smiley LOL
 
Now I don't know if it's me being cocky or confident. But I knew I could recon my SL....went to backdoor #'s here on myFICO...called and and spoke with a really nice rep. Explain my concern and  BAM !!!!!
 
CLI +$4500.oo
 
Was gonna push for more but my SL was so low didn't wanna push it
 
 
Citi Diamond preferred CL now $5000.oo !!!!!
 
 
ANY Citi Data/info is welcome.... never thought I would be off their BLACKLIST Smiley Happy Smiley Very Happy Smiley Wink
 
 
Thks everyone who contributes to the boards!!!!!! and Happy Fico'ing!!!!
 
 
wells.jpg 2chase navychase east westchase us bankimg src=ChaseFreedom_F.inddC_DP7_EMV_MNLW_18-PID 257.epsnavy fedBCE&ED|Chase|NFCUcc&CLOC|WF|Cash+|ElanFin.|Dia'md prefer.|PF|Gard'N since 6/23/2017|TOTAL CL$111.2K !!!NOIIICE!!!
29 REPLIES 29
Regular Contributor

Re: Citi Diamond preferred,and the temple of noREWARDS

Congrats!!! I recently got back in with Citi as well after burning them in 09' BK. Take good care! Smiley Happy

-----EQ---- TU---- EX
Nov 18-- 790-- 780-- 760
Goal-- 800-- 800-- 800
Message 2 of 30
Established Contributor

Re: Citi Diamond preferred,and the temple of noREWARDS


@thisladyz wrote:

Congrats!!! I recently got back in with Citi as well after burning them in 09' BK. Take good care! Smiley Happy


Smiley Very Happy THKS!!! And Congrats to you....

 

Its really exciting when a bank lets you back in...Did you cold app?

wells.jpg 2chase navychase east westchase us bankimg src=ChaseFreedom_F.inddC_DP7_EMV_MNLW_18-PID 257.epsnavy fedBCE&ED|Chase|NFCUcc&CLOC|WF|Cash+|ElanFin.|Dia'md prefer.|PF|Gard'N since 6/23/2017|TOTAL CL$111.2K !!!NOIIICE!!!
Message 3 of 30
Super Contributor

Re: Citi Diamond preferred,and the temple of noREWARDS

Great job!!!! 😃😆

Message 4 of 30
Established Contributor

Re: Citi Diamond preferred,and the temple of noREWARDS


@baller4life wrote:

Great job!!!! 😃😆


THKS, BALLER4LIFE!!!! Smiley Very Happy

 

If there ever was a image to show exactly what I was feeling... thks LMAO!!!!

wells.jpg 2chase navychase east westchase us bankimg src=ChaseFreedom_F.inddC_DP7_EMV_MNLW_18-PID 257.epsnavy fedBCE&ED|Chase|NFCUcc&CLOC|WF|Cash+|ElanFin.|Dia'md prefer.|PF|Gard'N since 6/23/2017|TOTAL CL$111.2K !!!NOIIICE!!!
Message 5 of 30
Established Contributor

Re: Citi Diamond preferred,and the temple of noREWARDS

Congrats! I'm so happy for you!!

 

Smiley Happy

 

 

 

 

 

 

 

Chapter 7: Discharged November 2015
11/15 Fico 8: EQ-585, TU-550, EX- 551
07/16 Fico 8: EQ-703, TU-695, EX- 660
09/16 Post App Spree Fico 8: EQ-675, TU-675, EX-663
Cap One Platinum $2K>$4K, Cap One Quicksilver $3K, Discover $1,600, SPGVisa $4500, Red Roof Inn Siggy Visa $5K, Good Sam/Camping World Visa $1800, Overstock $7K, Lowe's $6K, NFCU Cash Rewards Visa $4600, NFCU CLOC $15K, PenFed Promise Visa $10,500, Evine $1K, CreditOne Visa $600|Total CL: $153K
Garden until September 2018 (I'll be in the pumpkin patch)!seedling-transparent.png

Message 6 of 30
Established Contributor

Re: Citi Diamond preferred,and the temple of noREWARDS

WadeDalton-

Big THKS!!!!
wells.jpg 2chase navychase east westchase us bankimg src=ChaseFreedom_F.inddC_DP7_EMV_MNLW_18-PID 257.epsnavy fedBCE&ED|Chase|NFCUcc&CLOC|WF|Cash+|ElanFin.|Dia'md prefer.|PF|Gard'N since 6/23/2017|TOTAL CL$111.2K !!!NOIIICE!!!
Message 7 of 30
Established Contributor

Re: Citi Diamond preferred,and the temple of noREWARDS

Congrats for ur foot in the door. Doesnt know if this matters, but i too had financial difficulties, and had to leave Citi at the curb. 4 different cards btw. Fast forward 3 years post BK7, and recently got a Bestbuy Citi visa for 2k. I know its not a real card but good enough foe me.

Message 8 of 30
Established Contributor

Re: Citi Diamond preferred,and the temple of noREWARDS

padme-

You definitely got a real CC... congratulations!!!! on getting back in to!!! Thks 😃
wells.jpg 2chase navychase east westchase us bankimg src=ChaseFreedom_F.inddC_DP7_EMV_MNLW_18-PID 257.epsnavy fedBCE&ED|Chase|NFCUcc&CLOC|WF|Cash+|ElanFin.|Dia'md prefer.|PF|Gard'N since 6/23/2017|TOTAL CL$111.2K !!!NOIIICE!!!
Message 9 of 30
Community Leader
Super Contributor

Re: Citi Diamond preferred,and the temple of noREWARDS

Thats wonderful news! Much congrats to you on getting back with Citi. The DP card will open more Citi doors for you later down the road as well, since its one of their Legacy cards. I hope to do the same soon myself. Smiley Happy

My rebuild worked for me, but won't necessarily work for you!
BK7 D/C- 08/2013
Message 10 of 30
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