CITI and USAA burn - How long is their memory?

[ways2go]

From Personal experience ,  it can beover 20 years.   I went chp. 7 on them in about 1991.  I apped with them around 2014 and got denied on a pre-approved app. what made it worse,  they denied me during a chat online right during the app process while doing it online. I do have a costco with a limit of 17500, but that is a cobranded card.   I have no desire for any of their other cards. i have enough other cards 

[Anonymous]

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@ways2go wrote:

From Personal experience ,  it can beover 20 years.   I went chp. 7 on them in about 1991.  I apped with them around 2014 and got denied on a pre-approved app. what made it worse,  they denied me during a chat online right during the app process while doing it online. I do have a costco with a limit of 17500, but that is a cobranded card.   I have no desire for any of their other cards. i have enough other cards 

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Was the Costco card a Citi or and Amex when you got it?

[sjt]

My SO burned Citi back in 2005 for a five figure amount. They sold the debt so he could not repay them. Fast forward to 2017, he applied for a Citi DC card and was instanly approved. 

[ways2go]

It was the amex Costco when I got it.

[Anonymous]

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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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I have gotten six Citi cards and have never had a pre-qualified offer.  

[ways2go]

It was a Amex Costco

[Anonymous]

Was the debt sold to another company for collections or was the portfolio taken over by another credit grantor?