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Rebuilding, surprise CITI Custom Cash Approval

Eldodroptop1
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
Epic 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! 

September 2021: Experian 717 Equifax 705 Transunion 725


Cards I Have:
Cap One QS: $600 (Sock drawer) || Cap One QS1: $4,100 (Sock drawer) || Discover It: $4,900 || Cap One Walmart: $600 (Sock drawer) || AMEX BCP: $1,000 || Amazon Prime Store Card: $6,000 || Overstock Store Card: $7,550 || FNBO Rewards Visa: $2,600 || Discover Cash Back: $2,000

Wishlist Cards:
Citi Double Cash || Paypal Mastercard || Cap One Savor || Citi Custom Cash

Gardening from 03/18/2021 to 04/18/2023 (ideally)
Total Utilization: 9%
Inquiries: Exp: (4) Trans: (0) Equif: (0)
Message 3 of 31
Rebuild2019
Valued Contributor

Re: Rebuilding, surprise CITI Custom Cash Approval

Congratulations 🎉🎈🎊 on your approval and nice SL.

CARDS: Discover It | QuickSilver One | Kohl’s | BBT Spectrum Cash Rewards | BBT Bright | PenFed Gold Visa | NFCU CashRewards | NFCU More Rewards | NFCU Platinum Visa | AMEX BCE | Verizon Visa | Wells Fargo Active Cash | Amazon Prime | OverStock
Starting Scores 05/2019: EQ:519, EX:525, TU:574
Message 4 of 31
Crowhelm
Frequent 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?  



Fico 8 Scores
Experian 756
Equifax 756
TransUnion 781
Goal score: 825+
Cash Back , Sign Up Bonuses and Gift cards earned as of 10/15/21- $2249.44 (only shows redeemed cashback and subs)

Next cards I will apply for and maybe
Message 5 of 31
Eldodroptop1
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
Valued Contributor

Re: Rebuilding, surprise CITI Custom Cash Approval

Congrats on your Citi Custom Cash approval




Message 7 of 31
cashorcharge
Senior 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
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:

Credit Age:

Inquiries (24 month):

Banks & CUs:

Goal Cards:



Currently: 1/6, 3/12, 5/24
Message 10 of 31
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