effect me? I was able to get the citi via BDD.. however I know my TU report is NOT very good at this time... sow hen they do an AR, does that mean I may get my accounts taken away? Thoughts?
My guess - your account will go to default terms. Don't transfer anything yet. Wait til their first AR and see what they do.
I have two CITI cards and was worried about the same thing. Initially, TU was pulled from both . My TU had 1 paid collection. Two months later CITI did an A/R on EQ where I have two different paid collections, both paid before I ever was approved for the CITI cards back in October.This A/R occured in January and my good APRs have never changed. I think they are only looking for new collections that happen after you were approved for the CITI card. I've just rec'd both monthly March statements and my APR and 0% BT are still there . I don't have any new collections just different old ones on each CRA. I hope this makes sense.
They are definitely looking for new issues only. Hell i've had things RE-INSERTED after disputing them off and i'm still at the normal APR. I think they are looking for DLA or INSERTION DATE > account opening date.
