@ways2go wrote:
My experience is they have a long term memory. I went chp 13 on them in 1991. I applied with them in 2013 and was denied for that reason. The only reason I have any citi cards is because my Costco card was taken over by them.
That definitely is a long memory LOL
FICO 8 (9/7/23) EX 718 EQ 720 TU 844
FICO 9 (9/17/23) EX 751 EQ 774 TU 850
CH 13 DC 1/5/21 -- I practice AZEO - NEVER above 1% utilization across all cards.
Current lineup as of 9/23
American Express Gold | American Express Blue Cash Everyday 6K | American Express Blue Cash Preferred 5K I American Express Marriott Bonvoy Bevy 5K I American Express Gold Delta Skymiles 6K I American Express Hilton Honors Surpass 1K | Bank of America Customized Cash Rewards Visa 15K | Kinecta MyPerks Rewards MC 35K | TD Bank Double Up Visa 4K | USBank Visa 5K | BMO Harris Cash Back MasterCard 12K | Capital One SavorOne MC 3K | Capital One Walmart MC 2K | NFCU Amex 15K | NFCU CashRewards Visa 9.2K I Citi Best Buy Visa 10K I Macy’s Amex 1.5K I Bread Financial American Express 8K l AAA Daily Advantage Visa Signature 6K I Wells Fargo BILT World Elite MC 30K I BCU Cash Rewards Visa 8K I Chevron Techron Advantage Visa 2.5K I UCLA Wescom CU Rewards Visa 7K I Affinity Pure Rewards Visa 5K
