FlyerTalk Forums - View Single Post - Which Credit Card/s to get next
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Old Aug 6, 2015 | 11:47 am
  #7  
Flaneurs
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Join Date: Jan 2013
Location: MT, USA
Programs: Ex-5C club, Skymiles Gold
Posts: 454
Which Credit Card/s to get next

What Citi has given you is likely either a FICO8 or a VantageScore. Read the following if you would like more information. Hopefully you will trust one of these sources more than Wikipedia.

http://www.huffingtonpost.com/mybanktracker/how-does-the-fico-8-bankc_b_5246865.html

http://www.magnifymoney.com/blog/building-credit/citi-free-fico-scores-live-something-different367796063/

You can also go to FICO's website and read their own parameters on their score.

FICO scores go to 850. You can get a free annual credit report from each of the bureaus and you will see that the score Citi has given you is not a true FICO score. It is probably in the fine print of the document you received also.

Good luck in overhauling your card selection and I have to agree with the above post that having multiples of a card usually does not offer an advantage (although there certainly are exceptions to this rule.)

Happy point hunting!
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