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Credit Profile needed for Citi???

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Frequent Contributor

Re: Credit Profile needed for Citi???


@revvystoke wrote:

@bluesnowman wrote:

As far as I know and I have read

 

Score- 700+

AAOA- Not sure

Inquiries- 3-4 (they are pretty inquiry sensitive.) and have pretty narrow parameters for approval.

Bad/lates- Don't like them. At. All. Avoid apping with Bad/lates unless they are really old.

They are pretty tough cookie to crack and their CS is average. They like to see small balances like all companies and refuse to budge on that. Out of those cards mentioned, the Dividend is easiest to get, Diamond is probably the most difficult of the three. They also allow 2 applications per 60 days. 


I had 6 recent inq's (1 within the last 12 months and 5 within 30 days) It was an instant approval with Citi and they were the last place I app'd for in my aor. 


Revvy- It could be like Enharu stated, my file is moreso on the thin side right now, but over time it won't be. Anyway, OP congrats on getting approved for the TYP. 

Bank of America: Cash Rewards.- 4.2k. 4/25/12 (CLI Increase 6/15/13, CLI May of 2015, sept 2015), Citi: Forward- 4.5k. 10/27/12 (CLI on 2/8/14, SP, CLI on 9/26/15 sp). Discover: More- 7k, 10/27/12 (Increase 6/1/14, CLI in May of 2015, SP 9/2015) Amex: PRG- NPSL (closed 12/13/13). 11/24/12. Chase: Freedom. 5/1/13- 5k (EX CLI HP 9/2015) Southwest Rapid Rewards Plus.-3.6k. 6/15/13. Amex BCE-2k. 12/7/13. Amex SPG-5k 12/8/13 (CLI on 9/2015) Capital one VentureOne Visa Signature-10k (9/6/15). Citi AAdvantage Platinum Select World MasterCard-4K. Last App: 9/6/15. Total cl: 45,300
Message 31 of 38
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Blogger

Re: Credit Profile needed for Citi???


@nvrgvupnvrsrndr wrote:
Update...Citi Thank You Preferred...instant approval $6.5k!!!

What did I tell you? Smiley Wink Congrats!

Message 32 of 38
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Valued Contributor

Re: Credit Profile needed for Citi???

Knew it!!!!! Congrats!!!!

*8/10/13
Message 33 of 38
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Established Member

Re: Credit Profile needed for Citi???

Very nice! Congrats on the approval!!
Message 34 of 38
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Contributor

Re: Credit Profile needed for Citi???

Thanks again everyone! 

Message 35 of 38
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Frequent Contributor

Re: Credit Profile needed for Citi???


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

I was instant approved for a Diamond Preferred.

AMEX BCE: 5k; Barclay Apple: 2.5k; BoA CB: 3k; BoA BBR 4.2k; BoA Travel: 8k; Chase Sapphire: 5k; Chase Freedom: 6k; Citi Diamond: 3k; Discover IT: 9k

June 2013 FICOs: TU: 763; EX: 754; EQ: 764 (was 747 9/2012). Last app 2/20/2014 Garden until 3/2015
Message 36 of 38
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Frequent Contributor

Re: Credit Profile needed for Citi???

I got in with: 

 

1 credit card - 9 months old

aaoa - 9 months of course

19 years old

makes 10,000k 

 

Approved for Citi Forward Student

$5k$4.5k$2.8k$8k$500
FICO = EQ: 786 (1/15) TU:774 (2/15) EX: 767 (2/15)
Message 37 of 38
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Regular Contributor

Re: Credit Profile needed for Citi???

AAOA - I have 4 months

Inquiries - I have 4

Lates - i have no lates or any baddies

Score - 691 Fico (per their report)

 

I got approved 1000.00 for their simplicity card...

 

 

Discover IT 02/2013 (1000.00),Chase Freedom 02/2013 (3000.00),AmEx Blue Cash Everyday 06/2013 (3000.00)
Citi Simplicity 06/2013 (1000.00)
TU FICO - 718 , CK TU - 738 , Credit.com EX - 727, Quizzle.com - 720, CreditSesame.com - 720

Message 38 of 38
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