Will Citi approve my pre-qualified credit card offer?

Discuss the Visa & MasterCard payment networks as well as cards that operate through them.
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Will Citi approve my pre-qualified credit card offer?

Postby tentimes2 » Fri Mar 30, 2012 10:47 pm

Hey Guys,

Just looking to get some feedback on my current problem. I have a 719 (via credit karma) score, and 672 (via credit sesame) score. No bankruptcy or judgments or late accounts.

My credit history is thin - one secured Cap one card with a 400 limit and 100 balance. I am currently unemployed (first time in 15 years...sucks..very bad), but i have started my own company and hope to launch in Q3. Should I try to apply for the invitation from Citi? Its for a "Thank You Preferred card". Any thoughts?

Thanks Guys

Money card
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Postby Money card » Sat Mar 31, 2012 11:47 pm

No. Unemployed for 15 years, but now you own a company. As far as money goes, does your company make a lot of money?

If you make a lot of money then you can go ahead. But if you're making some kind of money but not a lot
I would say no.

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Postby bmw1990Z » Mon Apr 02, 2012 6:05 pm

he said he has been employeed for 15 years until just recently. not unemployed for 15 years...
Cards in my wallet:
-Citi Forward Card for College Students-July 2011
-American Express Platinum Delta Skymiles--July 2013

CC Deville
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Postby CC Deville » Mon Apr 02, 2012 7:55 pm

If you are unemployed then you should not be applying for anything. They can't technically decline you for having unemployment insurance as your income and you don't want to lie and say that you are employed. You never know when they might check up on employment and then you'd be caught. Or what if your company doesn't get off the ground? You want to ruin what little credit you have? I would wait until you are in a better financial situation.

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