topic Re: CITI AAdvantage denied due to "restricted privilege" in Credit Cards

CITI AAdvantage denied due to "restricted privilege"

proton022 — Sat, 01 Sep 2012 06:09:24 GMT

I am getting to terms with the harsh realization that an excellent credit score is not enough. I have FICO scores of 795, 783 and 747. 9 total accounts, 3 current revolving accounts with only one showing a balance at 2% utilization, auto loan that I just paid off, and a handsome annual income.

I applied for Starwood. Reject, currently under reconsideration.

I applied for AAdvantage. Reject. They would only say that my account has "restricted privileges". Nothing more. I believe the reason has to do with a couple of returned checks two years ago (due to not updating the autopay in time when I switched my bank account) resulting in a 60 day late that made CITI close the CCs that I had with them at that time. Otherwise my history is clean. But that late was two years ago.

I'm not thrilled at the way CITI has treated me and probably won't go back to them in future, but at the same time, I don't want to waste one hard inquiry that has already appeared on my report. I might as well get the AA card and the bonus.

It appears that I have been blacklisted by CITI. Has anyone else here had similar experience but managed to convince CITI to look at your current status and get approved?

Re: CITI AAdvantage denied due to "restricted privilege"

LS2982 — Sat, 01 Sep 2012 15:47:50 GMT

Unfortunately Citi has a long memory and they do blacklist. I had a 10 yr old co acct they denied me because of it.

Re: CITI AAdvantage denied due to "restricted privilege"

gettnthere — Sat, 01 Sep 2012 15:59:23 GMT

dang im sorry to hear that u got denied, espicially with such good scores and income. why did AMEX reject you? seems you would have been a perfect candidate for the Starwood.

Re: CITI AAdvantage denied due to "restricted privilege"

Open123 — Sat, 01 Sep 2012 16:30:09 GMT

gettnthere wrote:
dang im sorry to hear that u got denied, espicially with such good scores and income. why did AMEX reject you? seems you would have been a perfect candidate for the Starwood.

Amex runs telecheck.

For most applicants, if they see payday loans, nsf checks, or even honest mistake, they'll refuse to approve without some considerable effort and explaining. In this case, I'm not sure it's worth it.

Re: CITI AAdvantage denied due to "restricted privilege"

Wolf3 — Sat, 01 Sep 2012 21:36:19 GMT

Does that mean they approved the AA credit card when you applied for the cobranded AAAdvantage?

Re: CITI AAdvantage denied due to "restricted privilege"

proton022 — Sun, 02 Sep 2012 06:34:18 GMT

@gettnthere Amex also pointed to my 60-day late that is 23 months old (not 2 years yet)

@ Wolf3 "Does that mean they approved the AA credit card when you applied for the cobranded AAAdvantage?"

Not sure if I understood your q. No, CITI denied my current application. The CITI cards that I had in the past but now closed were not AA cobranded cards.

Re: CITI AAdvantage denied due to "restricted privilege"

clocktick — Sun, 02 Sep 2012 18:34:33 GMT

I charged off a Citi card (possibly 2, can't remember) but now have 6 Citi cards if you count the gas card. I waited years and years though. Maybe 2 years is too recent in their eyes.

Re: CITI AAdvantage denied due to "restricted privilege"

proton022 — Fri, 07 Sep 2012 04:13:32 GMT

I called up a few CITI numbers. Their representatives were hard to talk to, and they don't seem to have anything to say about my specific situation. They just kep parroting what they have been asked to repeat when your application get denied. Dead end. Lesson: once you are in CITI's bad books, don't deal with them for a long long time.

Re: CITI AAdvantage denied due to "restricted privilege"

trumpet-205 — Fri, 07 Sep 2012 05:42:13 GMT

proton022 wrote:
I called up a few CITI numbers. Their representatives were hard to talk to, and they don't seem to have anything to say about my specific situation. They just kep parroting what they have been asked to repeat when your application get denied. Dead end. Lesson: once you are in CITI's bad books, don't deal with them for a long long time.

Well, returned check is actually a very serious delinquency (more serious than late). I believe any lender woud have reacted strongly if you ever bounced a check before.

Re: CITI AAdvantage denied due to "restricted privilege"

proton022 — Fri, 07 Sep 2012 06:12:00 GMT

Well, returned check is actually a very serious delinquency (more serious than late). I believe any lender woud have reacted strongly if you ever bounced a check before.

I see. I should have been more careful with the autopay. They kept trying to withdraw from an old account when I had transfered funds to the new one.

Re: CITI AAdvantage denied due to "restricted privilege"

trumpet-205 — Fri, 07 Sep 2012 06:22:44 GMT

proton022 wrote:
I see. I should have been more careful with the autopay. They kept trying to withdraw from an old account when I had transfered funds to the new one.

Think about how you feel if your paycheck got bounced. That's why lenders reacted strongly to it.

Is one reason why I discourage people using autopay. All sorts of bad things can happen. We all learn from our mistake, it's time we move on.

Re: CITI AAdvantage denied due to "restricted privilege"

mrcrush20 — Fri, 07 Sep 2012 11:24:28 GMT

"serious delinquency (more serious than late)"

Really ? Do bounced checks show up on a credit report, mainly telecheck ? I know once a bounced check becomes a CO its listed on EX EQ TU... I used to use auto pay for everything, I switched banks from case (when they became chase from wamu) to wellsfargo. I called into TFS to stop the auto payment on my account I was told by several reps that the process could only be done online in my account. It was a problem for me at the time I was 3 years into the loan and only logged in once.. I lost my password for both the account and the email I used for the account( I was young and wanted a TFS only email for my TFS alerts). So for a period of 3 months I made my payment by phone b4 the due date but auto payment still tried to withdraw from my close wamu/chase account.

Two days after the 3rd bounced check TFS called my work, it was sooo embarrassing. The secretary called into my office and said you have a call from a "name" from Toyota she says its very important. The rep for TFS said that they were closing and revoked my online account with them bc I had 3 NSF returned checks ( mind you I was making my payment, not missing). The rep told me if I waited 12 months I could set up a new online account... I was so upset that they could not help me access the account when I called ..But when they wanted too they could close my account and say you can set up a new on in 12 months

I only just started the autopay again per my approval for zync required it

Re: CITI AAdvantage denied due to "restricted privilege"

CreditEd — Fri, 07 Sep 2012 14:40:49 GMT

I'd posted a similar experience with Chase a bit ago. Not with bad checks, but due to the fact that during the vast amount of bank consolidation that has occurred over the past 5 years in order to deny a CSP app that I did in July, the majore banks use a great deal more data than the FICO score. Chase looked at accounts that they did close but that I'd paid in full and were so old that they had dropped from my credit report. To boot these were accounts that Chase bought several years ago and merged their business into the larger company.

Your FICO scores look like they are enviable by many on this board. But these larger companies have more data on their customers today than we can even imagine.

Perhaps you want to look at other banks like Barclays or the credit unions. Since learning that there will be very little forgiveness from Chase I've started a bank acct with US Bank which I'll soo tryin apping with for a card. Also growing my Citi relationship seeing as I have no previous negatives with them.

Re: CITI AAdvantage denied due to "restricted privilege"

trumpet-205 — Fri, 07 Sep 2012 16:57:19 GMT

Bounced check won't show up on CRs (beside Chexsystem, but that's for deposit account). However, if you bounced a check you will be flagged on their internal record.