Citibank Credit Card Offer
Auhtor: MedSchoolGirl
Title: Citibank Credit Card Offer
Posted: Mon Dec 20, 2004 10:55 pm
I received a call this morning from a citibank customer service rep that offered me a chance to apply for a citibank credit card for students. I was wondering if they contact you if that means you have a better chance of getting the card. I've never received a call to solicit an application before. I didn't want to waste another inquiry, and I told the rep that I had applied with citi recently and was denied. I also told her that I had a recent bankruptcy and she told me that with this offer it may not matter as much. I don't really know if I believe her but she convinced me to apply anyway. Anyone have an opinion my scores according to pg are still pretty low (580-590s), and from everything I hear my actual scores from Fico are probably even lower. I have a bunch of IIB accounts, one collections account that I have made payment arrangement with, but they have not reflected this on my credit report, and one charge-off. Any opinions
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Author: NightStar
Title: Citibank Credit Card Offer
Posted: Mon Dec 20, 2004 11:01 pm
One creditor can have different credit requirements for different credit card offers... so it may be that you can get approved for one, when you could not on another.
Though your scores are low, I honestly don't know how low they go on approval. I would of guessed low 600's.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Author: Polonius
Title: Citibank Credit Card Offer
Posted: Mon Dec 20, 2004 11:03 pm
I don't want to worry you, but just as a general caution for all--be suspicious when you get a call like that. Probably the person who called you really was from Citibank--but what if it was just a person pretending to be from Citibank? Be very careful about giving out SS#, dates of birth, and bank account information to anyone who calls you with a credit offer when you didn't initiate the call.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Author: MedSchoolGirl
Title: Citibank Credit Card Offer
Posted: Tue Dec 21, 2004 2:09 pm
Good point. Didn't even think about that. I am entirely too naive. But I pulled PG this morning and I did indeed receive a new inquiry from citibank...so at least I don't have to worry about that.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Title: Citibank Credit Card Offer
Posted: Mon Dec 20, 2004 10:55 pm
I received a call this morning from a citibank customer service rep that offered me a chance to apply for a citibank credit card for students. I was wondering if they contact you if that means you have a better chance of getting the card. I've never received a call to solicit an application before. I didn't want to waste another inquiry, and I told the rep that I had applied with citi recently and was denied. I also told her that I had a recent bankruptcy and she told me that with this offer it may not matter as much. I don't really know if I believe her but she convinced me to apply anyway. Anyone have an opinion my scores according to pg are still pretty low (580-590s), and from everything I hear my actual scores from Fico are probably even lower. I have a bunch of IIB accounts, one collections account that I have made payment arrangement with, but they have not reflected this on my credit report, and one charge-off. Any opinions
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Author: NightStar
Title: Citibank Credit Card Offer
Posted: Mon Dec 20, 2004 11:01 pm
One creditor can have different credit requirements for different credit card offers... so it may be that you can get approved for one, when you could not on another.
Though your scores are low, I honestly don't know how low they go on approval. I would of guessed low 600's.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Author: Polonius
Title: Citibank Credit Card Offer
Posted: Mon Dec 20, 2004 11:03 pm
I don't want to worry you, but just as a general caution for all--be suspicious when you get a call like that. Probably the person who called you really was from Citibank--but what if it was just a person pretending to be from Citibank? Be very careful about giving out SS#, dates of birth, and bank account information to anyone who calls you with a credit offer when you didn't initiate the call.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Author: MedSchoolGirl
Title: Citibank Credit Card Offer
Posted: Tue Dec 21, 2004 2:09 pm
Good point. Didn't even think about that. I am entirely too naive. But I pulled PG this morning and I did indeed receive a new inquiry from citibank...so at least I don't have to worry about that.
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
posted by CardRatings.com at 4:16 PM
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