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Citi secured MasterCard approval!

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Valued Member

Citi secured MasterCard approval!

TU: 525
Equifax: 501
6 credit collections
7 hard inquiries
95% payment history
45-60% utilization

Citi only did a hard pull on equifax

So the other night 4/18 ... I applied for the discover secured card since it said it wouldn’t affect my credit score ... unfortunately I was denied ... I started reading around which secured cards I could apply for that wouldn’t do a hard inquiry because I’m trying to rebuild my credit. I believe I read somewhere that citi wouldn’t so I decided to give them a try ... as soon as I filled out the application I received a congratulations you’re approved we just need you to fund the deposit ... so I put my deposit info in ... I also received an alert about a hard pull ... I decided to deposit $300 ... the deposit money was taken out of my bank account 4/20 ... when I check the status of my application it says they’re still reviewing my application but from what I’ve read from everyone else if they tell you you’re approved and they take the money out of your account you should receive another email telling you that your card is on the way.

I honestly didn’t think I would get approved since I got denied by discover secured card ... and before I applied for capital one secured card ... and Wells Fargo secured card.

My credit score 3 months ago was 479 I’m slowly getting it back up and I hope with this secured card it’s going to help bring my score up.

So if you’re considering a secured card you should probably try citi because when everyone else said no they said yes
Message 1 of 16
15 REPLIES 15
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Community Leader
Super Contributor

Re: Citi secured MasterCard approval!

Congrats, bud! You should check out Discover. It's the chrome card only secured. You can change it to the 5% IT card after the 1st statement. With 1st year cash back match, you can get up to 10% back the first year. Literally, the only difference from the normal card is it's secured. The prequal won't ding you either. They pull EX if you decide to accept it.







Message 2 of 16
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Valued Member

Re: Citi secured MasterCard approval!

Before I applied for the citi secured I applied for the discover and I was denied...
Message 3 of 16
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Community Leader
Super Contributor

Re: Citi secured MasterCard approval!

It happens. Just try again in a few months.







Message 4 of 16
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Established Contributor

Re: Citi secured MasterCard approval!

Congratulations on the card and increasing your CS!

Message 5 of 16
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Frequent Contributor

Re: Citi secured MasterCard approval!

Nice work and Congratulations on your approval!  


Starting Score: EX 551|TU 565|EQ 556
Current Score: EX 551|TU 565|EQ 556
Goal Score: EX 620|TU 620|EQ620


Take the myFICO Fitness Challenge


Message 6 of 16
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Senior Contributor

Re: Citi secured MasterCard approval!

COngrats on your approva and goodluck in your credit journey !!!!

 

 

8-2019 / Fico 8 EX 8013 , EQ 8016 , TR 810
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 7 of 16
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Senior Contributor

Re: Citi secured MasterCard approval!

Congrats on the Citi secured!

I have the same card - I went with them because I wanted to get in with the Citi family early and you can product change the graduated card later.    They (and their online interface and app) are easy to use as well, though right now I'm just using it for netfix and hulu Smiley Wink 

Good luck on your credit journey!  I hope everything continues to improve for you Smiley Happy


EQ: 804 | EX: 789 | TU: 787 | Accounts: 2/6 4/12 10/24
Happy practitioner of AZE6or7or8
Message 8 of 16
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Community Leader
Senior Contributor

Re: Citi secured MasterCard approval!

You’ll always have a fond feeling for that first lender that said “yes.” Congrats! Citi is a good one!
Discover It: 19.7k
Amex ED: 16k
Citi DC: 6.7k
Amex BCE: 4k
Citi Rewards+: 3.6k
~~~~~~~~~~~~~~~~~~
Once you go Berner, you never go back.
Message 9 of 16
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Established Contributor

Re: Citi secured MasterCard approval!

Congrats on your Citi approval!!!











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Message 10 of 16
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