CITI and USAA burn - How long is their memory?

[Anonymous]

https://ficoforums.myfico.com/t5/Personal-Finance/USAA-Debt-Forgiveness/m-p/5299101

I came across this post a while back that says USAA will forgive after 99 months.

[imaximous]

I burned Citi in my 2011 BK7. Up until a year ago, I got denied for Prestige & DC due to BK, but no mention of previous relationship.
Once my BK was 7 yrs old, I applied again and got Costco business. Then, 4 months later, I got AA business. I wasn't sure if I was completely out of the doghouse since both are co-branded cards. So, I applied for Prestige when they relaunched the card and was also approved. All 3 cards were approved in the last 6 months. $4k, $7k & $20k SL approvals in that order.

[Anonymous]

I dont' think they ban from their website anymore. My unpaid debts to them are well over $100k and I still have insurance from and use their website.  

[Anonymous]

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@Anonymous wrote:

Anyone know if CITI and USAA ever let you off of the bad list?

Burned both back in 05-06 - major business issues, "lost my shirt," etc.  Wish I had just paid bare minimums... would be better off... but alas, I was scared, backed into a corner, and panicked. 

USAA I know has a LONG LONG memory... but not sure HOW LONG.  Any ideas re CITI?

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Give citi a try, not much to lose anyway.

Citi has the biggest credit card balance sheet out there, I doubt they will blacklist you forever.

[sjt]

OP- Have you check out the Citi prequal site?

[Anonymous]

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@sjt wrote:

OP- Have you check out the Citi prequal site?

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At your suggestion, yes... but all it said was "we couldn't match your records to a Pre-Qualified credit card" and suggested their 2% card instead.  That doesn't sound like it actually *did* anything, which wouldn't surprise me since prequals usually can't access my credit file, even on a soft pull - fraud alerts / no marketing / etc flags on the report.  

[Anonymous]

Also does anyone know if the Citi Pre-qualify site also lists co-branded cards (Macy's,Costco) or is it just bank cards? I too burned city in 2014 when they took over the Bestbuy portfolio from Capital One. I now owe Citi $600 instead of Capital One. I don't care for any of Citi's bank cards as I have good ones already, but I am interested in some of the retail. OP I have read on here others that have said they got back in with Citi even after burning them in BK. I would check some other posts as well for reference points. They helped answer a good amount of my questions!

[FinStar]

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@Anonymous wrote:

Also does anyone know if the Citi Pre-qualify site also lists co-branded cards (Macy's,Costco) or is it just bank cards? I too burned city in 2014 when they took over the Bestbuy portfolio from Capital One. I now owe Citi $600 instead of Capital One. I don't care for any of Citi's bank cards as I have good ones already, but I am interested in some of the retail. OP I have read on here others that have said they got back in with Citi even after burning them in BK. I would check some other posts as well for reference points. They helped answer a good amount of my questions!

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Only Citi legacy/core cards (not Macy's, Sears, Best Buy, Shell, etc).  Pretty much most of the CCs that are displayed on the Citi Cards website. 

[Anonymous]

Thank you for your help! I will just have to cold app instead of hope for a pre-approval I guess. 

[sjt]

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@Anonymous wrote:

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@sjt wrote:

OP- Have you check out the Citi prequal site?

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At your suggestion, yes... but all it said was "we couldn't match your records to a Pre-Qualified credit card" and suggested their 2% card instead.  That doesn't sound like it actually *did* anything, which wouldn't surprise me since prequals usually can't access my credit file, even on a soft pull - fraud alerts / no marketing / etc flags on the report.  

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Opt out will prevent prequal offers.