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Credit Profile needed for Citi???

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Established Contributor

Re: Credit Profile needed for Citi???

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

$30,500$18,500NPSL$15,000$10,000$25,000$32,000
Message 21 of 38
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Contributor

Re: Credit Profile needed for Citi???

Any thoughts on which one's easier to get Dividend vs Thank You Preferred?
Message 22 of 38
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Contributor

Re: Credit Profile needed for Citi???

I'll check it out.
Message 23 of 38
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Contributor

Re: Credit Profile needed for Citi???

Which report do they usually pull?
Message 24 of 38
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Established Contributor

Re: Credit Profile needed for Citi???


@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..

 

$30,500$18,500NPSL$15,000$10,000$25,000$32,000
Message 25 of 38
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Contributor

Re: Credit Profile needed for Citi???

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?
Message 26 of 38
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Contributor

Re: Credit Profile needed for Citi???

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!



Starting Score: 573
Current Score: 764 EX (FAKO)
Goal Score: 760 all 3


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Message 27 of 38
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Contributor

Re: Credit Profile needed for Citi???

Do they ever do instant when applying on-line?
Message 28 of 38
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Contributor

Re: Credit Profile needed for Citi???


@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 Smiley Happy



Starting Score: 573
Current Score: 764 EX (FAKO)
Goal Score: 760 all 3


Take the myFICO Fitness Challenge
Message 29 of 38
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Contributor

Re: Credit Profile needed for Citi???

Update...Citi Thank You Preferred...instant approval $6.5k!!!
Message 30 of 38
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