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..
Wow! Congratulations on your 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?
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!
Congratulations on your Citi Custom Cash approval!