Credit Tips: Are Citibank Credit Cards Hard to Get?

Posted On: June 1, 2006

Author: TomfromCT
Posted: Tue Apr 18, 2006 6:17 pm
Post subject: CitiBank - are they hard to get?

Is Citibank a hard place to get a card??

I read on the credit app sticky that it was…a comment made by a couple of people.

I applied online the other day and got instantly approved. And I have gotten 4 card in the last 5 months AND I have a chargeoff on my history still AND a judgement. My last 56 are perfect credit wise and my balances are low low low<5% useage low. My fico's averages about 709.

So is Citi really not that hard or am I lucky?

(they only gave me a grand in credit - real bummer with the 0% BT offer with card)
_________________
Humor free posting since June, 2006

Author: moniqueclaire
Posted: Tue Apr 18, 2006 8:44 pm
Post subject: Citibank

Hi!
I hear many different things about Citibank. I believe they are easy to get as a College Student as I got one with a 1K limit to start.

However that sprouted into a Visa 6mos later with a 1500 limit.
Eventually the MC I received first climbed up to 3300 and life as it is
got into trouble and eventually had the Visa charged off, eventually paid the MC in a settlement. It took about 5yrs after I paid off the MC when they invited me back on a preapp for a AT&T Universal card, was approved for 4800 and then received another preapp for a Dividend card
and a Cash rewards together. I decided to go for it and picked the dividend app to reply to. Well I received a call from a Credit Analyst and they told me that I was eligible for the CitiBusiness as well. I could have just the Dividend or both. I accepted both and found out that I would receive 4800 split 2 ways 3k/Business and 1.8K/Dividend..
That was in April 05.

have a good week

Author: guessindigo
Posted: Tue Apr 18, 2006 10:33 pm
Post subject: Are Citibank Credit Cards Hard to Get?

Citi is middle of the road. Not too tough, but not the easiest either. I would rate MBNA as the toughest one to get approved for.

Author: WellManicuredMan
Posted: Wed Apr 19, 2006 11:42 pm
Post subject: Are Citibank Credit Cards Hard to Get?

It was fairly easy for me to get my Citi card (Dividend Platinum Select MC). I had practically no credit history and all they needed was proof of a utility bill. Gave me a very low limit to start with, $1100, but now only 6 months later my limit is up to $6000 (could probably be a lot higher if I ask for it).