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Citi Secured Instant Approval

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Established Member

Re: Citi Secured Instant Approval

Congratulations! I'm wondering if I should apply for them or not. I have two unsecured cards with capital one. I'll think about it. Let me know how the card goes for ya! 

Starting Scores (9/28/18): Equifax: 552, TransUnion: 542, Experian: 509
Current Scores (9/9/19): Equifax: 598, TransUnion: 622, Experian: 611
Goal Scores: 720 across the board by 6/2020


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Message 11 of 21
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Established Contributor

Re: Citi Secured Instant Approval

Congratulations!! I was instantly approved to with no good standing accounts, Collections, repossessions, and charge offs.





Starting Score: 494 503 521
Current Score: 503 507 507 2/19
Goal Score: 680


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Message 12 of 21
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Established Member

Re: Citi Secured Instant Approval


@simplegirl wrote:
Congratulations!! I was instantly approved to with no good standing accounts, Collections, repossessions, and charge offs.

Do you know how long it takes for the CITI secured to graduate to unsecured? Is it 18 months?

Starting Scores (9/28/18): Equifax: 552, TransUnion: 542, Experian: 509
Current Scores (9/9/19): Equifax: 598, TransUnion: 622, Experian: 611
Goal Scores: 720 across the board by 6/2020


Take the myFICO Fitness Challenge
Message 13 of 21
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Established Contributor

Re: Citi Secured Instant Approval

Yes 18 months





Starting Score: 494 503 521
Current Score: 503 507 507 2/19
Goal Score: 680


Take the myFICO Fitness Challenge




Message 14 of 21
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Established Member

Re: Citi Secured Instant Approval


@simplegirl wrote:
Yes 18 months

Sheesh! That's a long time!

Starting Scores (9/28/18): Equifax: 552, TransUnion: 542, Experian: 509
Current Scores (9/9/19): Equifax: 598, TransUnion: 622, Experian: 611
Goal Scores: 720 across the board by 6/2020


Take the myFICO Fitness Challenge
Message 15 of 21
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Established Contributor

Re: Citi Secured Instant Approval

It is but it helps you get discipline. It gives you more time to rebuild instead of getting one unsecure card and saying since this one graduating let me apply for some more cards.





Starting Score: 494 503 521
Current Score: 503 507 507 2/19
Goal Score: 680


Take the myFICO Fitness Challenge




Message 16 of 21
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Regular Contributor

Re: Citi Secured Instant Approval


@numba1fan wrote:

Congratulations! I'm wondering if I should apply for them or not. I have two unsecured cards with capital one. I'll think about it. Let me know how the card goes for ya! 


If you already have unsecured cards IMHO there is no need to backtrack and get a secured card. Its better to garden the unsecured cards, get some age, good payment history and CLI's. Then go after better unsecured when your credit permits. 




Starting FICO-8 as of February, 2019:

Current FICO-8 as of February, 2020:

Message 17 of 21
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Established Member

Re: Citi Secured Instant Approval


@HybridGunz wrote:

@numba1fan wrote:

Congratulations! I'm wondering if I should apply for them or not. I have two unsecured cards with capital one. I'll think about it. Let me know how the card goes for ya! 


If you already have unsecured cards IMHO there is no need to backtrack and get a secured card. Its better to garden the unsecured cards, get some age, good payment history and CLI's. Then go after better unsecured when your credit permits. 


Thank you! I will take your advice!! 

Starting Scores (9/28/18): Equifax: 552, TransUnion: 542, Experian: 509
Current Scores (9/9/19): Equifax: 598, TransUnion: 622, Experian: 611
Goal Scores: 720 across the board by 6/2020


Take the myFICO Fitness Challenge
Message 18 of 21
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New Member

Re: Citi Secured Instant Approval

Yes, it's a bummer that I have to wait 18 months but you gotta start somewhere.

Message 19 of 21
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Senior Contributor

Re: Citi Secured Instant Approval

There is evidence that Citi can sometimes graduate at 12 months if they like your profile.
And while I'm kinda hoping for it, I'm also fine with my 18 month wait.   It's a good way to establish relationships with banks if you can afford it and you're patient *and* at least it graduates to a legacy product you can product change.


EQ: 792 | EX: 785 | TU: 781 | Accounts: 2/6 5/12 10/24
Happy practitioner of AZE6or7or8
Message 20 of 21
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