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Citi Secured Card

B6
New Visitor
New Visitor

Citi Secured Card

Hey all. Long time lurker first time poster. I have a question regarding the Citi secure card if anyone can help. Has anyone with a BK and/or IIB Citi in their bankruptcy been able to get a Citi Card, and have it graduate? I recently applied and was approved for the Citi secured card and did filed BK7 and was discharged in July 2015. Citi was included in my bankruptcy. I have done tons of searches but can only find stories of people with prior BK’s getting approved for the Citi Secured but haven’t been able to find anything on someone who burned Citi in their BK and then was able to get the Citi secured card and have it graduate. Anyone know anything further on this!!? Thanks myFICOers.
6 REPLIES 6
morgacj2004
Valued Contributor

Re: Citi Secured Card

Once you get it the card will unsecure in 18 months irregardless of whether or not CITI was IIB. CITI is Very picky so make sure there are no late payments or other issues. I had the card for more than a year. I owed $20 one month and was 3 days late. They refused to unsecure stating I had to wait another year. I got mad and cancelled the card which I now regret.

AX Hilton Aspire 20k, AX Bonvoy Brilliant 15k, AX BCP 2k, AX Blue Bus Cash 15k, AX Delta Air Platinum 49k, (AU) AX Delta Gold 15k, AX Amazon Prime Bus 25k, BC Uber 29k, AKUSA FCU -10k , CITI AAdvantage Exec World Elite MC 16.5k, Discover (2) 16k, Kohls-4k, VS Comenity $3k, BofA AK Air Siggy 9.8k, WF Propel AX 5k, JCP $10k PFCU Plat Rewards Siggy 39.5k, PFCU Power Cash Rewards AX 10.5k, NFCU Flagship 50k, CLOC 15k, CITI Costco 9.5k, GAP VISA Synchrony $9k,Target MC 9k, Ulta MC Comenity 9k, Pay Pal 1k, CO Venture One 23k, US Bank Radisson Rewards Signature 10k, US Bank Fred Meyers World MC, 11k, US Bank Plat VISA 15.7k, VS Comenity 2k, 240k total available credit. Utiliz-2%, Current FICO EQ-724, EX 763,TU 802 ,Chapt 7 BK D/C 11-2012. Starting scores 520-550
Message 2 of 7
MILOfico
Established Contributor

Re: Citi Secured Card

What's citi max deposit?
wells.jpg 2chase navychase east westchase us bankimg src=ChaseFreedom_F.inddC_DP7_EMV_MNLW_18-PID 257.epsnavy fedBCE&ED|Chase|NFCUcc&CLOC|WF|Cash+|ElanFin.|Dia'md prefer.|PF|Gard'N since 6/23/2017|TOTAL CL$111.2K !!!NOIIICE!!!
Message 3 of 7
mountaindewvoltage
Valued Contributor

Re: Citi Secured Card

Maximum deposit is $2,500. 

 

https://www.citi.com/credit-cards/credit-card-details/citi.action?ID=citi-secured-credit-card&catego...

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Message 4 of 7
Lucky7z
Regular Contributor

Re: Citi Secured Card

So if you pay late once you have to wait a whole year to unsecure?
Message 5 of 7
erick_mac1003
Established Contributor

Re: Citi Secured Card


@morgacj2004 wrote:
Once you get it the card will unsecure in 18 months irregardless of whether or not CITI was IIB. CITI is Very picky so make sure there are no late payments or other issues. I had the card for more than a year. I owed $20 one month and was 3 days late. They refused to unsecure stating I had to wait another year. I got mad and cancelled the card which I now regret.

Mine just graduated.. The line they gave me on the unsecured was the same amount when it was secured..

 

CLI? Yeah.. For an HP, so no thanks..

 

Still deciding what to do..

________________________________________________________________________________________
Goal: FICO Scores 800+. Started at 588 last yr.
Current FICO 8 Scores as of 05/03/18: TU: 724 - EQ: 735 - EX: 711

Cards: Amex BCE, Amex EDP, Chase Frdm, Jetblue Plus, Discover IT, PenFed Plat Rwrds, Amazon Prime Visa, BofA Asiana, Amex Delta Gold, Amex Delta Plat, PayPal Mstrcrd, Amex Plat, Amex SPG, Chase CSR.
Message 6 of 7
JAG73
Moderator Emerita

Re: Citi Secured Card


@erick_mac1003 wrote:

@morgacj2004 wrote:
Once you get it the card will unsecure in 18 months irregardless of whether or not CITI was IIB. CITI is Very picky so make sure there are no late payments or other issues. I had the card for more than a year. I owed $20 one month and was 3 days late. They refused to unsecure stating I had to wait another year. I got mad and cancelled the card which I now regret.

Mine just graduated.. The line they gave me on the unsecured was the same amount when it was secured..

 

CLI? Yeah.. For an HP, so no thanks..

 

Still deciding what to do..


Keep it and keep using it. You should receive SP CLI language in about 6 months IIRC. 

Got some pruning to do... No more new cards!
Message 7 of 7
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