What scores get you into Citi & Chase????

[NICKI183]

I know I am a long way off, but on the forums I hear so much of people applying for Chase or Citi cards.  Can someone please advise me what they are looking for as for as scores and current credit history?

What is the easiest Citi and Chase cards to obtain?

thanks

[bb1000]

They're somewhat tough. I got my first Citi card with a score around 630 or so. 1, maybe 2 paid collections showing. Was not instant - had to send in verification of address, bank account, etc. I'd wait a little bit longer for your scores to get to 620-630, but preferably higher.

[Anonymous]

I had a 480 to get Citi.  Of course, I went the secured card route.  After 2 years with Citi and my score into the low 600's, Chase sent me a mailer.

[Anonymous]

Nick, I applied last week for a Citi CashReturns card. They pulled TU on me with a score of around 662, and I live in Texas. I was approved. IMO, many ccc's pull from a particular CRA depending on what area of the country you live in.

I have a TON of lates on my CR, but all are 30 day lates, and all are over a year old with the vast majority, over 2 years old. No collections, and I have several old old old items in public records.

I haven't applied to Chase in several years, so can't comment on how they are.

Hope that helps.

[Anonymous]

As a side note to my previous comment, I noticed that the last 3 cc's I've applied for(Macy's, 12/01; Discover and Citi, last week) that all 3 inq's, have been TU pulls. Just fyi.

[Anonymous]

I agree with that of CRA pulls depend on your area because the CCC are beating up my EX with 16 and under 3 on the other 2 reports....I'm in NJ.

[NICKI183]

Thanks all of you for responding to my inquiry. I recently received (4) new cards and I hope they increase my score by Dec 08. The CL's for some are suprisingly high, but this second time around of credit cards (BK02) I will be much smarter about it. Credit4 your info was extremely helpful as to who pulls the most because I too reside in the Garden State. Thanks again....

[Anonymous]

Nick, remember who pulled what for who! You will be able to help others in their decisions.

[Red1Blue]

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credit4me wrote:

I agree with that of CRA pulls depend on your area because the CCC are beating up my EX with 16 and under 3 on the other 2 reports....I'm in NJ.

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On my EX I have 44 inq's so far. It is beat up because of the biz cards I applied for.

[Anonymous]

Good grief concord! Are you in a foot race with ashibbir to see who wins the app'ing spree? LOL