Credit Profile needed for Citi???

[RSCo]

I would suggest looking up citi cards on credit karma.com to get an idea of what scores they are approving for their cards.

[nvrgvupnvrsrndr]

Any thoughts on which one's easier to get Dividend vs Thank You Preferred?

[nvrgvupnvrsrndr]

I'll check it out.

[nvrgvupnvrsrndr]

Which report do they usually pull?

[RSCo]

---

@nvrgvupnvrsrndr wrote:
Which report do they usually pull?

---

with the exception of my HomeDepot card, they pulled both EX and EQ for all of my cards.. Never TU..

[nvrgvupnvrsrndr]

Even though all three of my reports are identical my EX is consistently 30-40 pts higher than EQ or TU. Do they average the 2 scores together EX and EQ?

[gstq34]

I initially got the dreaded 7-10 day message, turns out it would have been declined for to many INQ.  I called backdoor number in sticky thread for recon (got transferred around and eventually got EO) she put a call into another dept and 3 days later got me approved (for simplicity.)  About a month later asked for CLI of $4000 and was granted $1500 of it so I could do some more BT at 0% (HP)  If you want one of their cards (I liked the 18mo. @ 0%) then give it a shot, if you get the FO message try the BD!

[nvrgvupnvrsrndr]

Do they ever do instant when applying on-line?

[gstq34]

---

@nvrgvupnvrsrndr wrote:
Do they ever do instant when applying on-line?

---

IDK - after reading these forums I just assume the credit analyst wants to talk

[nvrgvupnvrsrndr]

Update...Citi Thank You Preferred...instant approval $6.5k!!!