Citi Approval Odds Post BK7

[draychi]

Citi: Here is a $200 secured card with 4 years of reviews before graduation. Or you have high income/perfect credit and you're ok. There seems to be no middle.

[Jccflat]

I wonder if I'll be ok with getting a Cli in the future 

what are they pulling for Cli?

[SUPERSQUID]

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@Horseshoez wrote:

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@SUPERSQUID wrote:

I wonder if i have a chance after dec. my bk7 was 12/20019 so its close to two years post. I didnt include citi in my bk7, in fact i paid off 2 cards with them a few years before i filed, 6k and 8k.

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I would think you at least have a 50/50, if you decide to apply, keep us posted.

Thanks for your reply. right now im gardening until january when i will apply for a nfcu cc, probably go rewards. my scores are mid 600's right now. i joined nfcu with a checking/savings back in may. i recently was approved for a 3k discover when they were denying me even for the secured card not to long ago. i didnt iib or ever have a discover card before. the fact that cap 1 and disco recently approved me tells me my situation is improving.  i burned cap 1 in my bk7 for 4k-5k. once i nail down nfcu i will look further and may apply to citi.  my goal is to have 3 solid cash back cards, so far discover is a good one, and over the next few years i want 2 more. so far recently i have dropped 3 subprimes, applied, first digital, and reflex. i will sit tight with my other cards until january. the target red card is dynamite with the 5 percent off but my cl is only 500, if that one grows its a keeper long term.

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[em2006]

Thanks for the advise. Do you know which Credit unions are the best, except NFCU since I don't have any relative in the navy. 

[em2006]

Thanks, I will try to check my Fico score today.  

[Horseshoez]

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@em2006 wrote:

Thanks for the advise. Do you know which Credit unions are the best, except NFCU since I don't have any relative in the navy. 

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Pentagon Federal Credit Union (aka. PenFed) has a great reputation; I was approved for a card at about the 1-year mark with a $6,000 starting limit.  

[SUPERSQUID]

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@em2006 wrote:

Thanks for the advise. Do you know which Credit unions are the best, except NFCU since I don't have any relative in the navy. 
It doesnt have to be the NAVY, it can be any service branch and most close relatives

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