What is CBNA?
CBNA is a credit report code that stands for Citibank North America. Citibank is the 4th largest credit card issuer in the United States. They have over 138 million customers.
‘CBNA credit card’ may be on your credit report as a hard inquiry. This happens when you apply for a credit card through Citibank.
Citi has some of the most popular credit cards on the market such as:
- Citi Diamond Preferred
- Citi Double Cash
- Citi Premier
- Citi Prestige
- Citi Rewards Card
- Citi Simplicity
They also have co-branded cards with brands such as:
- American Airlines
- Best Buy
- The Home Depot
Citibank (CBNA) Hard Inquiries
The following is a list of Citibank inquiry codes that you may find on your credit report:
- CBNA Best Buy
- CBNA Credit Card
- CBNA Home Depot
- CBNA Sioux Falls
- SYW MC/CBNA
- Universal CD CBNA
Hard inquiries on your credit report will typically only drop your credit score by a few points. However, if you have too many, especially in a short period of time, they can really start to add up and do some damage.
How long does a CBNA inquiry stay on your credit report?
A hard inquiry can remain on your credit report for up to 2 years. Each time a hard inquiry is made, it is recorded by one or all of the three major credit bureaus – Equifax, Experian, and TransUnion.
Having a single hard inquiry on your credit report like CBNA won’t cause much damage to your credit score. However, if you have multiple credit inquiries within a 2 year period, they can impact your credit significantly.
Can CBNA be removed from my credit report?
Lexington Law specializes in removing CBNA inquiries and other negative marks on your report. They have over 28 years of experience and have removed over 10 million negative items for their clients in 2018 alone.
They can also help you dispute (and possibly remove) the following items:
- late payments
- charge offs
Get Your Inquiries Removed Today!
If you’re looking for a reputable company to help you repair your credit, we HIGHLY recommend Lexington Law.
Call them at (800) 220-0084 for a free credit consultation. Paralegals are standing by waiting to take your call.