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Citi secured card FINALLY graduated

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Valued Contributor

Re: Citi secured card FINALLY graduated

Those who don't graduate within 18 months: do you know a reason, or is it confusing why your card didn't graduate on time or early?

 

Has anybody had the thought process of closing the secured card and just reapplying for the unsecured card in six months possibly being a faster route? Because as much as I appreciate Citi for being the first to approve me, I don't know if I'm willing to carry it for two and a half years ...


No derogs, but tons of inquiries and heavy credit-seeking behavior. In March of 2019, I had no open accounts, a charge-off, two collections, and scores in the low 500s. What I call the "thick build method" worked for me, but may not work for every situation.
Cards

Authorized user / Corporate / Auto loan / Personal loan

Card CLs total $89,900, not counting the AU card. The AU card brings the total to $114,900. In March 2019, card CLs totaled $0.

Closed but still on reports: ExxonMobil, $950, 10/08-02/11 (Equifax only) | American Express Delta Gold, $1,000, 09/19-10/20 | Citi secured, $200, 04/19-09/19 | Capital One secured, $300, 04/19-08/19 | My Jewelers Club, $5,000, 05/19-08/19 | Green Dot Primor, $300, 05/19-08/19 | Self Lender secured $500 loan, 04/19-01/20 | Unsecured personal loan from Coastal, $1,000, 06/19-08/19.
Message 11 of 17
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Established Contributor

Re: Citi secured card FINALLY graduated

Congrats on graduating!!!!

 

 

MyFICO-ZZ-Graduation.jpg











Current

Goal Cards

Message 12 of 17
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Epic Contributor

Re: Citi secured card FINALLY graduated

"FINALLY graduated"

Message 13 of 17
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Re: Citi secured card FINALLY graduated

I'm so lost with all the abbreviated terminology.  What is DP, PC? I know CLI is credit limit increase.

 

Is there a resource to reference the abbreviations?

Starting Score: 499
Current Score: 534
Goal Score: 750


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Message 14 of 17
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Valued Contributor

Re: Citi secured card FINALLY graduated

DC is the Citi Double Cash card. PC is product change, as in, get a Citi Diamond Preferred switched to a DC. I don't think there is a complete list of all the acronyms.

No derogs, but tons of inquiries and heavy credit-seeking behavior. In March of 2019, I had no open accounts, a charge-off, two collections, and scores in the low 500s. What I call the "thick build method" worked for me, but may not work for every situation.
Cards

Authorized user / Corporate / Auto loan / Personal loan

Card CLs total $89,900, not counting the AU card. The AU card brings the total to $114,900. In March 2019, card CLs totaled $0.

Closed but still on reports: ExxonMobil, $950, 10/08-02/11 (Equifax only) | American Express Delta Gold, $1,000, 09/19-10/20 | Citi secured, $200, 04/19-09/19 | Capital One secured, $300, 04/19-08/19 | My Jewelers Club, $5,000, 05/19-08/19 | Green Dot Primor, $300, 05/19-08/19 | Self Lender secured $500 loan, 04/19-01/20 | Unsecured personal loan from Coastal, $1,000, 06/19-08/19.
Message 15 of 17
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Moderator

Re: Citi secured card FINALLY graduated


@ProjectRebuild wrote:

I'm so lost with all the abbreviated terminology.  What is DP, PC? I know CLI is credit limit increase.

 

Is there a resource to reference the abbreviations?


@ProjectRebuild, here's a link to a thread that lists common abbreviations used on myFICO:  http://ficoforums.myfico.com/t5/User-Guidelines-General/Common-Abbreviations/td-p/88458

Message 16 of 17
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Established Member

Re: Citi secured card FINALLY graduated

Right because I got my graduation letter about 2 months ago my card "graduated" the 23rd of this month and got my security deposit back a few days later but my card is still secured with the same CL and also hasn't reported to the credit bureaus yet for this month. I guess I'll have to just wait it out.
Message 17 of 17
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