Recent CitiBank Applicant?

sgx.saint

Yes CitiBank credit check but it appears that they are more flexible when it comes to accepting new customers than other banks.

They seem to assess each application individually rather than a computer declining the applications without a second thought. Their applications team do seem to manually assess the applications rather than a computer.

As a result, some of our members with poor credit histories have made successfull applications to open a current account with them. Which isn't half bad as CitiBank are world renowned bank with a good reputation.

I wouldn't hold up hopes for an overdraft facility though.

msaquib

Has anyone been declined for Citi Bank Account?

nannis

Are citibank something to do with Lloyds TSB???
Was reading through gumph and you can pay in at any Lloyds tsb
surley not?

sgx.saint

There not part of the same banking group, they just have an agreement in place to allow CitiBank UK customers to use LTSB branches to do their day to day banking.

Unless someone can correct me on this?

saubryn

I've just applied (through quidco, of course!) after reading this thread - my credit rating is on the worst side of diabolical, so if they accept me then they'd accept anyone.

I'll keep you posted on this thread with how my application goes.

UKTigerlily

Well it seems they've accepted me cause i've recieved my three PIN numbers & so they'd accept everyone by the looks of it, it's about time more banks trusted us, isn't it discrimmination to treat us less favourably due to bad debt? lol Personally having been in debt i'm now never gonna mess up a bank account again & I'm so glad this account was mentioned, still wondering what the catch is though lol

dexters_mum_2

We're still waiting, getting a bit nervy about it now, so going to chase tomorrow, really need a joint account with them as I can a sole current acc no problems but as my hubby has had major credit probs, even getting a basic joint acc has been very difficult.

loneranger

Don't get nervy, I know what its like they seemed to take forever with mine but they will come through in the end.It's great to think that when all the other banks tell you no way that there is a bank who will help you to re-establish your credibility.

dexters_mum_2

We had an acknowledgement dated 14 Dec but only got it 21st Dec!
I suppose I'm just getting impatient because we keept getting messed about by our current bank and I really want to move banks!

dexters_mum_2

Our account is open and we have received our welcome pack, just awaiting cards now, I rang up today (before the post came!!!) we're getting the 3 in 1 card apparently, which is great for my husband and me as I am sick of only being able to get a basic joint account with a solo or electron card.