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Citi Underwriting question

tag
PointsBonus
Established Contributor

Citi Underwriting question

is underwriting the same for Citi Legacy cards (Preimer, Double cash etc) vs. Citi Co Branded cards ? (AA, Costco etc) 

 

Thank you all in advance 








Message 1 of 5
4 REPLIES 4
CreditCuriosity
Moderator Emeritus

Re: Citi Underwriting question


@PointsBonus wrote:

is underwriting the same for Citi Legacy cards (Preimer, Double cash etc) vs. Citi Co Branded cards ? (AA, Costco etc) 

 

Thank you all in advance 


All the cards including AA, Costco are legacy cards of Citibank and roughly the same UW any card on citibank.com is legacy otherwise other cards are co-branded.  Co-branded cards of Citi are cards like Best buy, macy's, bloomingdale, etc and the UW might or is a bit less strict usually as they offer either Visa/Amex or PLCC cards for said store

Message 2 of 5
Credit12Fico
Established Contributor

Re: Citi Underwriting question

Co-brands seem easier to obtain than core-card. They hand out Costco and AA like candy.

Message 3 of 5
Anonymous
Not applicable

Re: Citi Underwriting question

I'm not sure I understand the usage of the term "legacy" here. To my mind "legacy" refers to an old, "grandfathered" product, possibly one that's closed to new applicants. Citi's own (non-co-branded) cards are not "legacy" in that sense. Some, like the DC, have been around for years, but they are still active products. And Citi just recently launched the non-co-branded Custom Cash, demonstrating that it continues to be active in developing its non-co-branded card offerings.

 

In any case, the overall consensus is that the co-branded cards are somewhat easier to get - same with any other issuer, from AmEx to Elan. Keep in mind that the fact that the co-branded cards are somewhat easier to get doesn't mean they're somehow "worse" or "lesser," especially in the case of the Citi Costco card, which in terms of cash back and ancillary benefits (like extended warranty, rental car coverage, no FTF, etc.) is one of Citi's strongest offerings overall.

Message 4 of 5
Otto77
New Contributor

Re: Citi Underwriting question

Lots of DPs from people going for the Premier SUB seem to indicate that the Premier is particularly picky vs. their other non branded cards.

 

 

Message 5 of 5
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