Discussion in 'Credit Talk' started by Om, Sep 30, 2001.

  1. Om

    Om Well-Known Member

    Being that these two companies are under the CITI umbrella, does anybody know if Citibank, USA follows the same credit guide lines as Citibank, N.A.? I am interested in the Travelocity World Mastercard which is a Citi, USA card. I already have two Citi, N.A. cards and am told that is the max I can have with that group which includes AT&T Universal.

    Sam, since you seen to have the best luck with CITI, why don't you be the Creditnet guinea pig and give them a test run.

  2. Om

    Om Well-Known Member

    Just shy of 100 views and knowbody has any input?

  3. Andrew

    Andrew Well-Known Member

    102 and not a clue!
  4. Jeff

    Jeff Guest


    Why don't you be the guinea pig? Take one for the team. Let us know how it goes.
  5. sam

    sam Well-Known Member

    Declined Saturday, 666 Score on Experian for citibank usa.

    Their standards are not at all the same.
  6. the other

    the other Well-Known Member

    I don't know the answer to your question.

    Here is my experience:

    with Citibank SD, I have an account with a limit of 22,700.

    With Citibank USA, I applied for 3 cards, the hilton card, quicken card, and travelocity car. I got 5k with hiton, and with quicken, but 12k with the Travelocity card. They are in the process of being combined into the Hilton card and I will then have a 22k limit.

    I applied for the AA card (I would have combined it with my platinum select), and I was turned down because they said I had the maximum credit line citibank offers. I don't know if this included both Citibank SD and USA accounts, or just SD.
  7. RichGuy

    RichGuy Well-Known Member

    I have three cards from Citibank (South Dakota) N.A. I intend to ask Citibank USA for a Hilton HHonors card after my current inquiries age a bit. Based on the terms of the card, the standards MUST be higher than for the AAdvantage card, to use a popular example.
  8. Om

    Om Well-Known Member

    -Sam, if you don't mind, what were their reasons for denial? Do you plan to ask for reconsideration?

    -the other, when you applied for the Citi-USA cards, how did your credit look?

  9. the other

    the other Well-Known Member

    low usage ratios, high ratio available.

    My CE score was probably somewhere around 760.

    I have no derogs. just alot of accounts, and alot of inquiries. many accounts that are less than 2 years, 1 or 2 less than a year old. Some accounts that I have had for a long time too.
  10. sam

    sam Well-Known Member

    Your score did not meet our requirements blah blah

    derogatory items
  11. GEORGE

    GEORGE Well-Known Member

    ME F.I.C.O. 685-704
    WIFE F.I.C.O. 725-741


  12. eddie

    eddie Well-Known Member

    I am on citibank n a permanent blacklist. They will not even pull my credit when I apply. However I was approved for hhonors with a 665 creditexpert score..5k limit. They pulled ex.

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