I'm tired of searching. Of the Citi cards, will they auto deny on a bk? I don't care about the Office Max/ Radio Shack variety. I'm looking for true Citi visa/mastercards. Are they all Mastercards now? anyway... Also, CitiUSA affinity cards (HHonors etc) if they're still different from Citi NA... bk auto deny or score driven?
From what I have seen on this board only a few people with bk have gotten citi, most were denied. With the 30 second online instant decision it would seem like it was score driven though.
The reason I ask is because I'm starting to dump my starter credit cards now and I'm replacing them only with companies I'd like to keep. I'd love to work into the Citi intro/bt deals. I got a Radio Shack card with CitiUSA so I know I can get CitiUSA cards... but some have a decline bk and some don't... so I'm trying to research before getting any inquiries...
If you have bked Citi, tough road to get a card, even if you pay them back in full. I spoke to several Citi reps and all say Citi never forgives a bk against them. I was told of one individual who got an initial $100 cl, raised to $600 after a year. No more increases. Good for a gas card.
Marie- 6 months ago the rule was after 7 years and positive trades they could manually review. I don't know if that's changed recently like it has for Amex. I'm staying put for a while, but would love to hear how you make out! Good luck, mj
My ch7 was 12 yrs ago and I still cannot get a cl increase, never mind new cc from citi. They may hold it against me forever.
