So I applied with good odds and was denied, my wife was approved... She made the deposit, card came in 7 days. Wife called Citi to add me to her account and now I have my own. And then I tried for Capital 1 card silver and we both got approved. So I waited 3 months later notice my credit has been increasing good. So I tried the Discover it denied... My wife got approved, she got her card and later added me to her card. Now I have Cap 1, Discover and Citi. But what I'm saying is if you have a spouse and you were denied they should try and if he or she is approved, they can add you to the account and it will build you both up. My score 576 and my wife's was lower at 540. Now she's at 600 an I'm at a 590. I'll be glad to get out the poor score level.
Ratings by Category
- Balance Transfer Intro APR Not Applicable
- Balance Transfer Regular APR 22.24%* Variable
- Annual Fee $0
- Purchase Intro APR Not Applicable
- Purchase Regular APR 22.24%* Variable
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If you're a citicard customer in the past don't apply for this card they don't approve it for existing or past customers. Above that they will have a hard inquiry. Please consider my suggestion before applying
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