The product is called Checking Plus: https://web.da-us.citibank.com/cgi-...rvice/prod_serv_detail.jsp?BS_Id=CheckingPlus After asking a few reps, I've found one who was nice and knowledgeable enough to share their approval criteria: Debt-to-income ratio: up to 45%. Credit utilization (i.e. debt-to-available credit ratio): up to 40%. No late payments during the last couple of years. No more than 3 INQs during the last 6 months (will allow some more if that's your only problem). Saar
Thanks Saar-- Had a friend who was turned down. No lates, great income, high scores. Must have been the debt ratio or inquiries. Did the rep mention if they will do a manual review? And does it matter what amount you apply for? Surely, there are different standards for $5000 OP vs. $500.
