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Rebuilding, surprise CITI Custom Cash Approval

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Eldodroptop1
Established Member

Rebuilding, surprise CITI Custom Cash Approval

Rebuilding my credit (x-wife ruined me) was at 533 Fico 8 in December. Among my charge offs a CITI AA card was in there, worked out a payment plan with citi for 0% payments to pay off card. Paid off debt to Citi two months ago. along with every other charged off account. 

On a whim I just applied for the CITI Custom Cash card. My Transunion Fico 8 is 682. Citi pulled the Transunion and gave me an instant approval for $3200. There were four hard pulls on my TU in the last four months. 

Honestly, I'm shocked. I have read many stories how people with FAR better credit than me have difficulty with CITI. 

I appreciate the second chance, but I am scratching my head..

Message 1 of 31
30 REPLIES 30
M_Smart007
Legendary Contributor

Re: Rebuilding, surprise CITI Custom Cash Approval

Count your Blessings - Congratulations!!!

Message 2 of 31
MartyWrite75
Valued Contributor

Re: Rebuilding, surprise CITI Custom Cash Approval

Wow!  Congratulations on your approval! 

March 2024: Experian 762; Equifax 767; Transunion 769


Cards I Have:
Cap One QS: $600 (Sock drawer) || Cap One QS (#2): $6,200 (Sock drawer) || Discover It: $11,400 || Cap One Walmart: $600 (Sock drawer) || AMEX BCP: $8,900 || Amazon Prime Store Card: $10,000 || FNBO Rewards Visa: $2,600 || Discover Cash Back: $5,500 || Citi Custom Cash: $9,500 || Verizon VS Visa: $10,000 || Amex Hilton Honors: $10,000 || Amazon (Chase) Prime Rewards (VS): $9,500

Wishlist Cards:
Paypal Mastercard || Bread Mastercard

Gardening to 04/2024(ideally)
Total Utilization: 11%
Inquiries: Exp: (2) Trans: (1) Equif: (1)

Message 3 of 31
Rebuild2019
Valued Contributor

Re: Rebuilding, surprise CITI Custom Cash Approval

Congratulations 🎉🎈🎊 on your approval and nice SL.

CARDS: Discover It | Kohl’s | Truist Spectrum Cash Rewards | Truist Bright | CITI Custom Cash | Chase Freedom Flex | Chase Amazon Prime Visa | VACU Cash Rewards Mastercard | Sam’s Club Mastercard | PenFed Gold Visa | NFCU CashRewards | NFCU More Rewards | NFCU Platinum Visa | AMEX BCE | Verizon Visa | Wells Fargo Active Cash | Amazon Prime | NFCU Auto Loan
Starting Scores 05/2019: EQ:519, EX:525, TU:574

CLOSED : Capital One Quicksilver One | OpenSky |
Message 4 of 31
Crowhelm
Established Contributor

Re: Rebuilding, surprise CITI Custom Cash Approval

Congrats and hopefully you will recover soon. But reading things like this and then as you said people wirh far better credit being declined makes me wonder if banks have quotas for fico ranges they try to meet every month?  







Message 5 of 31
Eldodroptop1
Established Member

Re: Rebuilding, surprise CITI Custom Cash Approval

Not just far better credit. But I have NEGATIVE history with CITI. Like I said, it's a head scratcher, but I'll gladly accept!

Message 6 of 31
KingRue8500
Senior Contributor

Re: Rebuilding, surprise CITI Custom Cash Approval

Congrats on your Citi Custom Cash approval




Message 7 of 31
cashorcharge
Community Leader
Super Contributor

Re: Rebuilding, surprise CITI Custom Cash Approval


@M_Smart007 wrote:

Count your Blessings - Congratulations!!!


+10000 that's for sure @M_Smart007 

Congratulations on your Citi Approval @Eldodroptop1 

Message 8 of 31
mrcraft
Valued Contributor

Re: Rebuilding, surprise CITI Custom Cash Approval

Congratulations on your approval!!  



Message 9 of 31
CreditAggie
Community Leader
Super Contributor

Re: Rebuilding, surprise CITI Custom Cash Approval

Congratulations on your Citi Custom Cash approval!

Current Cards (in order of approval):

         
Current FICO 8 | 9 (February 2024):  
Credit Age:  
Inquiries (6/12/24):  
Banks & CUs:

Message 10 of 31
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