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Good CitiCard to Apply for...

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Senior Contributor

Re: Good CitiCard to Apply for...

Also I believe HSBC does soft pre-approvals too. Pre-approved does not mean approved but will tell you if you will be denied. Smiley Wink Anything to save an inq.
If we never set higher goals we would never get as far.
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Message 21 of 27
Valued Contributor

Re: Good CitiCard to Apply for...

Yikes they pulled TU. I was hoping for Efx. My TU is 652.

I have more negs on it (2 unpaid collections) PLUS my two 2 year old Citicards aren't posting this month for some reason so I just have;

1 11 year perfect Discover with $10k/$100
New HSBC $2k
New Hooters $1k

This might not turn out well Smiley Sad
MyFico Scores (TU/Exp/Efx):

11/02/08 696 / 695/ 737- 5/4/08: 667 / 703 / 668 - 11/07 Low 500s All (Fako)
Message 22 of 27
Frequent Contributor

Re: Good CitiCard to Apply for...

Well, best of luck to you, but be prepared for the worst and just hope for the best. If I recall, it looked like you mentioned quite a few problems on your TU report, including a couple of collections. I don't think Cit looks too kindly on multiple collection accounts.
 
I'm rooting for ya though!!
 
Good luck...
Rust never sleeps and neither does my fico score...
Message 23 of 27
Valued Contributor

Re: Good CitiCard to Apply for...



@ficonovice wrote:
Well, best of luck to you, but be prepared for the worst and just hope for the best. If I recall, it looked like you mentioned quite a few problems on your TU report, including a couple of collections. I don't think Cit looks too kindly on multiple collection accounts.
I'm rooting for ya though!!
Good luck...





Well I have the two 4 year old unpaids and a 6 3/4 year old CO. The problem is two of the good accounts I had offsetting those aren't reporting this month so the only offsets are a 10 yo Discover ($10k/$100) and the two new CCs.

I'll call today and see if they have anything to say.

If I do get denied I'll wait until 1 or more of the baddies falls off and the Amex AU reports and the two Cities come back on.
MyFico Scores (TU/Exp/Efx):

11/02/08 696 / 695/ 737- 5/4/08: 667 / 703 / 668 - 11/07 Low 500s All (Fako)
Message 24 of 27
Valued Contributor

Re: Good CitiCard to Apply for...

**bleep**e! Called them up, declined due to a Delinquent account. Now, since I have;

Unpaid Collection 4 years
Unpaid Collection 4 years
CO Cap1 6 1/2 years

can that be any of them or can I assume that 'delinquent' would only apple to a CO (otherwise they would have said 'unpaid collection') of is delinquent just a broad term?

I guess I'll have to wait and see how the DV/OC/PFDs work out on this account. Looks like I need to stick to Equifax Cards, any good ideas on that?
MyFico Scores (TU/Exp/Efx):

11/02/08 696 / 695/ 737- 5/4/08: 667 / 703 / 668 - 11/07 Low 500s All (Fako)
Message 25 of 27
Frequent Contributor

Re: Good CitiCard to Apply for...

Good thing EX score was not  666  LOL !

Message 26 of 27
Member

Re: Good CitiCard to Apply for...

The only thing with Citi Dividend World MasterCard is the cap on the cashback. Only $300 for the entire year?!?!?!?!
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Message 27 of 27
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