Should I talk to a credit analyst before apping for a card?

[Anonymous]

I'm just curious, because my scores are high, but the file is thin. I was thinking of calling CITI to discuss to see which card I could/should app for.

Do people do this? Advisable? I'd like to get a CITI thank you rewards card or one of their diamond/sapphire/whatever it is cards.

[Anonymous]

750, i would just app for the dimond; it has a good intro 0%.

[Anonymous]

787* lol, yeah u should be a shoe in, insta approval on almost every card. chase slate is a good blance transfer right now too.

[Anonymous]

I got denied for a cap one venture plus card the other day, despite having a clean file, albeit a thin one. So, I'm a little gunshy at the moment. I'm looking mainly for miles/perks since I Pif every month, I just didn't know if they did sometHing along the lines of if you append for one card online but didn't get it, they'd automatically slot you down and approve you for another.

[Anonymous]

hit up citi/chase, and do recons if they deny; no reason for a deny with a high 700's... what was the reason for the veture plus deny?

[espnjunkie]

My situation is probably a bit different but I'll chime in. I applied after six months of credit history on a capital one card for the citi forward back in february and was denied (unsuccessful recon too) for having too thin of a file. I know pretty much ever caard company outsources, but I was pretty put off by how poor the customer service rep for Citi was. She clearly read off a script and her command of english was sub par.

They want at least two tradelines open and with good payment history before granting approvals.

[Anonymous]

At that point, I'd probably be looking for another card issuer.

See if there is a specific airlines you tend to fly and if there is a card for that specific airline.

[Anonymous]

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@Anonymous wrote:

I'm just curious, because my scores are high, but the file is thin. I was thinking of calling CITI to discuss to see which card I could/should app for.

Do people do this? Advisable? I'd like to get a CITI thank you rewards card or one of their diamond/sapphire/whatever it is cards.

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Just curious,

Looking at your sig lines, how did you go to over 200 pts on your scores in 4 mos? Did you have a major derog drop off or were you just not using your credit? I know this is probably a question that should be on the rebuilding forum but couldn't help but to notice the drastic change in your scores...

[Anonymous]

I paid in some cases and negotiated all the others. It also hels that I'm a really good writer. And let's not forget the power of the advice of this board. The baddies: I had two charge offs , three medical collections, a paid federal tax lien and owed 200 to directv, all on my credit report. The goodies: a first and second mortgage paid on time and in full with no lates. A car lease, also PIF. AmEx also showed good, but closed. I did PFDs for all of them, and somehow, it worked! The toughest part was all of the red tape necessary to get the lien purged from my CRs. From there, I opened a secured 3000 cl visa with my bank, bofa. A few months later, I app'd for skymiles Platinum Amex (got it) and the venture card (did not). CapOne gave me a litany of reasons why (most of which were not true, but I think it boiled down to a thin file). I stayed on top of it all, and I'm lucky. Won't happen again. Amazing how you can have 1,000,000 in on-time PIF mortgages, but a sh!ta$$ bank like Capone won't even give you a $500 card! Is it any wonder that Capital One spelled out in abbreviated form is CAPONE..!?

[Anonymous]

Wow, that is what I call awesome progress! . I am an AU on my DH Crap 1 card and he has mid 600 scores and they have not budged on the CL ($750) since he opened it in 2008. Every time he calls to ask for a CLI, they give him BS answers on why it is not able to be increased. We had x1 30 day late payment in 7/2011 otherwise perfect payments, never over the limit and they will not do a GW remove (bastads...can you believe that)....Congrats on your scores, your hard work paid off!