Citi needs a clean sheet in the past 6 months, even having Fico8 of 800+ . It sounds illogical, but it is the case 
US Bank typically has a manual UW department (it was the case for all my CC applications). If having a prior relationship (checking), it might help to improve the acceptance chance, despite having inquiries.
Fico8: EX~EQ~TU~840 (12 month goal~850).
@xenon3030 wrote:Citi needs a clean sheet in the past 6 months, even having Fico8 of 800+ . It sounds illogical, but it is the case
US Bank typically has a manual UW department (it was the case for all my CC applications). If having a prior relationship (checking), it might help to improve the acceptance chance, despite having inquiries.
In my opinion, Citi is both risk averse and they make risky decisions anyway, I think mostly due to their own incompetence.
I know not to ever show my face at Citi again after what happened, but that doesn't make their behavior okay either. I'm of the opinion that they committed disorderly conduct as a business offense in regards to contacting me so often and in such an unreasonable manner that it was basically creditor harassment under the Illinois Compiled Statutes (which can include contacting a debtor in a way where a reasonable person would feel annoyed, harassed, or intimidated. So basically, I was annoyed at being called dozens of times every day with there being no expectation that I would answer and with their intention likely being just to make my phone ring.), and for 6 months after I filed my bankruptcy, they kept reporting late payments to the credit bureaus. I could have reopened the bankruptcy, but I decided to just report it to the bureaus and the bureaus took over and deleted the entire negative payment history (including the ones that occurred before the bankruptcy).
I don't know if Citi acted maliciously or incompetently in doing this, but according to the law, there's not much difference either way. You're not allowed to continue pursuing a bankrupt debtor, and that includes continuing to trash their credit report with fresh lates, after a bankruptcy filing.
@JoeRockhead wrote:US Bank and Citi are the most sensitive, almost regardless of profile... everyone else is going to really depend on the profile, history, thickness etc... For really thin, or troubled profiles any lender can use number of inquiries as a reason for a denial.
Hard to rank them without knowing anything more about your profile.
@JoeRockhead I came here to say the same thing about US Bank and Citi! I totally agree with all you said!
@IsambardPrince wrote:
@xenon3030 wrote:Citi needs a clean sheet in the past 6 months, even having Fico8 of 800+ . It sounds illogical, but it is the case
US Bank typically has a manual UW department (it was the case for all my CC applications). If having a prior relationship (checking), it might help to improve the acceptance chance, despite having inquiries.
In my opinion, Citi is both risk averse and they make risky decisions anyway, I think mostly due to their own incompetence.
I know not to ever show my face at Citi again after what happened, but that doesn't make their behavior okay either. I'm of the opinion that they committed disorderly conduct as a business offense in regards to contacting me so often and in such an unreasonable manner that it was basically creditor harassment under the Illinois Compiled Statutes (which can include contacting a debtor in a way where a reasonable person would feel annoyed, harassed, or intimidated. So basically, I was annoyed at being called dozens of times every day with there being no expectation that I would answer and with their intention likely being just to make my phone ring.), and for 6 months after I filed my bankruptcy, they kept reporting late payments to the credit bureaus. I could have reopened the bankruptcy, but I decided to just report it to the bureaus and the bureaus took over and deleted the entire negative payment history (including the ones that occurred before the bankruptcy).
I don't know if Citi acted maliciously or incompetently in doing this, but according to the law, there's not much difference either way. You're not allowed to continue pursuing a bankrupt debtor, and that includes continuing to trash their credit report with fresh lates, after a bankruptcy filing.
I had such a terrible time trying to bank with Citi due to super paranoid anti-fraud measures (had money locked up with them for a week! Wouldn't let me setup Zelle, etc etc) that I decided to not app for any of their cards and closed my account.
@Jazee wrote:
@IsambardPrince wrote:
@xenon3030 wrote:Citi needs a clean sheet in the past 6 months, even having Fico8 of 800+ . It sounds illogical, but it is the case
US Bank typically has a manual UW department (it was the case for all my CC applications). If having a prior relationship (checking), it might help to improve the acceptance chance, despite having inquiries.
In my opinion, Citi is both risk averse and they make risky decisions anyway, I think mostly due to their own incompetence.
I know not to ever show my face at Citi again after what happened, but that doesn't make their behavior okay either. I'm of the opinion that they committed disorderly conduct as a business offense in regards to contacting me so often and in such an unreasonable manner that it was basically creditor harassment under the Illinois Compiled Statutes (which can include contacting a debtor in a way where a reasonable person would feel annoyed, harassed, or intimidated. So basically, I was annoyed at being called dozens of times every day with there being no expectation that I would answer and with their intention likely being just to make my phone ring.), and for 6 months after I filed my bankruptcy, they kept reporting late payments to the credit bureaus. I could have reopened the bankruptcy, but I decided to just report it to the bureaus and the bureaus took over and deleted the entire negative payment history (including the ones that occurred before the bankruptcy).
I don't know if Citi acted maliciously or incompetently in doing this, but according to the law, there's not much difference either way. You're not allowed to continue pursuing a bankrupt debtor, and that includes continuing to trash their credit report with fresh lates, after a bankruptcy filing.
I had such a terrible time trying to bank with Citi due to super paranoid anti-fraud measures (had money locked up with them for a week! Wouldn't let me setup Zelle, etc etc) that I decided to not app for any of their cards and closed my account.
My spouse has a FICO 9 card score now of over 790 and we still don't have Citi cards.
I could sort of get back in with them by asking him to apply for one and make me an AU, but I told him we're not ever getting a Citi card no matter what they offer. Their account management practices are so abhorrent that they don't even seem to care what the banking laws are.
