CITI hates me i think i will never get approved in my entire life.....lol

[youngman1234]

When i was new to credit back in summer of 2010 i opened 2 secured credit cards... 1BOA and 1 CITI... Everything was going great... Until i had a lil problem with Citi card I was making large purchases with the card like 3 -5k at one time...limit was 5k that I had deposited with them.. Everytime I used the card I had to speak to the security deparment before the charge could get approved... Anyway one time I made a charge for 4,000 and the merchant had to give me a refund because the items werent in stock... As soon as the amount was credited my card was shut down... They sent me a letter saying that your account is very risky for us... (I took me 4 months after this to get my $5,000 security deposit back !!!) They told me to keep the $$$ in the cd still, I told them to go to hell and give me my money otherwise I will sue....Lol 

i was mad for over a year so never even once bothered with them.... But i would def like to once establish a large tradline with them in my life... But i applied a couple times but have given up so far with them.... I get declined now cus of too many inq... I have alot over 20 in the past 2 years.... any advice... DONT WORRY WONT APPLY ANY TIME SOON !!!!! just wondering for the future like 2014.... thats all 

[CruzImperial]

you mean you have 20 inquiries in each and every CRA or in total?

i think they will approve you. you just need to get rid of those inquiries.

i read they dont like them much. anyways, if you decide to apply, make sure you have less than 5 and no recent accs(<6 months) and also apply to two cards at the same time. i applied yesterday and they only pulled once. the apps were made simultaneously* 

[youngman1234]

I have 20 on equifax but that is the most others are around 12-15.... most lenders for me pulled eq... 

I wont apply anytime soon, but maybe in 2 years when i have lil or no inqu... I will only apply for one card... I would just be happy to get one cc with a 15-25 limit... Hopefully in the next 2 years most of my cc will be in that range, so thats why they would match the limit... 

[Anonymous]

Yeah, they hate me too. I have applied numerous times, always being denied for inquiries. Even when they weren't excessive. Recently I was approved for Discover More and Chase Freedom, I would like to add Citi while my scores are still amazing, but have no doubt that the application will most likely be denied.