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CITI SECURED CREDIT CARD-NEED HELP BEFORE APPLYING

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Jennifer331
Valued Member

Re: CITI SECURED CREDIT CARD-NEED HELP BEFORE APPLYING

That's great news.  Do you currently have any baddies on your report? I have been a Citi customer for many years and I have been contemplating applying for the Secured Card too, you just gave me hope.


Starting Score: 1.12.2011 EQ 467
Current Score: 5.14.2012 EQ 605 EX 561 TU 622 (Walmart)
Goal Score: 750


Take the FICO Fitness Challenge
Message 21 of 28
texasman07
Established Contributor

Re: CITI SECURED CREDIT CARD-NEED HELP BEFORE APPLYING

There is hope.  I opened a AA Debit Checking with Citi 2 Months ago.  I have a Paid COlletcion about 1 year and 4 months ago. and a charge off in 2008 for 500.00$

 

IT IS POSSIBLE!!! I am soooo excited

Message 22 of 28
Jennifer331
Valued Member

Re: CITI SECURED CREDIT CARD-NEED HELP BEFORE APPLYING

I think I am going to wait until the end of the year.  I have 3 collections that I paid off last month and I am waiting to see what impact it has on my scores.

I just want to be in the 650 club and start gardening my score.


Starting Score: 1.12.2011 EQ 467
Current Score: 5.14.2012 EQ 605 EX 561 TU 622 (Walmart)
Goal Score: 750


Take the FICO Fitness Challenge
Message 23 of 28
texasman07
Established Contributor

Re: CITI SECURED CREDIT CARD-NEED HELP BEFORE APPLYING

Hey guys,

  So today also i got a call from citi. The woman said....congrats! and I can see your going to use this card to rebuild!

 

Mostly everyone on this thread said this card was only for BUILDING not REBUILDING

 

Hopefully this is hope for people with doubts!!!!!!!!!!!!!!!!!

 

So excited to have this card.

 

Back in 2003 I had a CITI Platinum with a 5000 limit. I got sick with Cancer and had to default.  I paid it off from collections but took me forever.  Guess they forgave me in 2011!  Feels great! ThANKS CITI

Message 24 of 28
Anonymous
Not applicable

Re: CITI SECURED CREDIT CARD-NEED HELP BEFORE APPLYING

Is there really any difference between building and rebuilding?

Message 25 of 28
texasman07
Established Contributor

Re: CITI SECURED CREDIT CARD-NEED HELP BEFORE APPLYING

Building= No history, new to credit. No AAoA

 

Rebuilding= u messed up-broke down ur tree house-gotta get wood for building it back! but Home Depot wont give u credit cuz they think ur a bAD BOY!

Message 26 of 28
jasimae
Frequent Contributor

Re: CITI SECURED CREDIT CARD-NEED HELP BEFORE APPLYING

That's funny.  But oh, so true!

Message 27 of 28
texasman07
Established Contributor

Re: CITI SECURED CREDIT CARD-NEED HELP BEFORE APPLYING

well everyone. 1 week ago today I was approved.  In the mail was my Citi Card!

 

And with its rate information.  Its states i have NO ANNUAL FEE!!!!!

 

 

has anyone else got this secured card with no AF>??????????

Message 28 of 28
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