Sorry, another Citibank Questi

Discussion in 'Credit Talk' started by dave, Oct 17, 2000.

  1. dave

    dave Well-Known Member

    I'm almost ready to push the button on this citibank deal, but really don't want to waste an inquiry.

    In short, my situation:

    On T/U report,

    3 charge offs, unpaid, all 6+ years old, one for $3200.00 (ouch!), one for $800, one for $350.

    No inquiries.

    No positive trade lines.

    Just got a Providian Secured (the $49.00 deal) Gold $450 limit 2 months ago, doesn't show up on T/U yet, but if it does, almost 0 balance (as in paid in full each month).

    $43K year salary.

    4 yrs at current residence and job.

    Do I submit for the card, or tuck my tail between my legs and wait til next year?

    Any info appreciated. If I've got a shot, I'll submit. I really need to start building some positve trade lines.

  2. Cadillac408

    Cadillac408 Well-Known Member

    RE: Sorry, another Citibank Qu

    No positive trade lines at all? Humm....not good!

    I would advise against applying......just my opinion. You were right when you need to start building positive trade lines, but I think it's way too early to be trying to build with Citibank. Citibank (in my opinion) is not a place to build. CAll Cap1 or some of those other guys. Just my opinion....
  3. David

    David Well-Known Member

    RE: Sorry, another Citibank Qu

    Yeah, I agree. You will certainly be denied.

    GEORGE Well-Known Member

    RE: Sorry, another Citibank Qu

    DON'T DO IT!!! I tried for 2.90% platinum card (no instant answer) but called on phone (they said I was denied).
    $70,000+ income, never late, never over limit, no BK. I GUESS CITIBANK DOESN'T WANT MY BUSINESS???

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