Easiest CITI card to get

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beckhsrules
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Location: NewJersey

Easiest CITI card to get

Postby beckhsrules » Wed Jun 11, 2014 9:30 am

Can you please let me know which is the easiest CITI card to get with something like a six month history length ?
Cards:

Amex Blue Sky 2000 (5/14)
Amex PRG NPSL (8/14)
Bank of America Cash Rewards Visa 2500 (1/14)
BofA Better Balance Rewards 1000 (6/14)
Discover IT 1250 (4/14)


Scores: As of May 25 2014

Experian 714
Equifax 709
TransUnion 714
Discover 694(Aug 31)


MemberSince99
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Joined: Sun May 20, 2012 4:35 pm
Location: WI

Postby MemberSince99 » Wed Jun 11, 2014 9:47 am

Not sure why you want in with them. I don't know their underwriting criteria for each of their cards so I really don't know.


What I can tell you is if you have a lot of inquiries don't bother applying you will be declined. Also if you don't have a balance on any revolving account, don't apply, they will decline you for that as well. (I've been declined by them for that reason as I don't carry balances). They pulled EX for me every time.

beckhsrules
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Posts: 49
Joined: Tue May 13, 2014 10:20 pm
Location: NewJersey

Postby beckhsrules » Wed Jun 11, 2014 10:15 am

I just wanted to build a good and longer relationship with CITI and that is why I want to open an account with them. I have heard very good reviews about the CITI cards from my friends and relatives.

Its really bad that they wont give a card if i make my payments on time :(

I am just shopping for cards and really really tempted to get more cards and more rewards out of it. Right now I have three inquiries for CC and a couple of more for my utilities(mobile(AT&T),internet(COMCAST)). Is this too much of enquiries in a short period of time ?
Cards:



Amex Blue Sky 2000 (5/14)

Amex PRG NPSL (8/14)

Bank of America Cash Rewards Visa 2500 (1/14)

BofA Better Balance Rewards 1000 (6/14)

Discover IT 1250 (4/14)





Scores: As of May 25 2014



Experian 714

Equifax 709

TransUnion 714

Discover 694(Aug 31)

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PlyrStar93
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Joined: Wed Jun 04, 2014 1:06 pm
Location: Chicago

Postby PlyrStar93 » Wed Jun 11, 2014 10:24 am

beckhsrules wrote:I just wanted to build a good and longer relationship with CITI and that is why I want to open an account with them.

I guess it would be better starting with opening checking and savings account with them, then go for credit cards.

beckhsrules wrote:Right now I have three inquiries for CC and a couple of more for my utilities(mobile(AT&T),internet(COMCAST)). Is this too much of enquiries in a short period of time ?

Maybe yes, maybe no. If they pull the same bureaus it can be a nightmare and within, say, three months, as creditors may think you keep trying to get new loans/credits. The best case would be if Citi pulls the bureau that does not have your inquiries.

Anyway if you get denied for having too many inquiries call their recon line and explain those inquiries are not for credit/loan.

beckhsrules wrote:Its really bad that they wont give a card if i make my payments on time :(

Still can try reconsideration if get denied.
Citi Forward Visa $5000 10/2012 | American Express Blue Cash Everyday $8000 2/2014 | Discover it $7000 5/2014
Chase Freedom Visa Signature $7000 6/2014 | Citi ThankYou Premier Visa Signature $5000 1/2015
All EMV.

MemberSince99
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Posts: 4913
Joined: Sun May 20, 2012 4:35 pm
Location: WI

Postby MemberSince99 » Wed Jun 11, 2014 12:29 pm

Citi recon is probably the hardest there is, when a lender allows recons. You pretty much have to go to the EO with them because the front line people don't have authority to override a denial. It's not like Chase where you call their analysts and you have a decent shot at talking them into it. And I've read far more than one account of people doing recons with them getting more hard pulls and still being denied. So tread carefully there.


If you do apply keep your inquiries minimal carry a small balance on one card and give it a go. Be prepared to show proof of residence. Their cards tend to have lackluster rewards as a rule compared to other prime lenders. But I haven't had any issues with them myself since getting in, and I hear they are good with soft pull CLIs every 6 months. I don't know for a fact as I've had mine almost 6 months now so I've never tried for one yet.



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