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@Anonymous wrote:
If after you apply you get a message from citi saying further processing is needed and we will contact you within a week is that usually a good or bad sign? Should we call call an EO right away or wait for their decision?
You didn't get denied...so that is likely good news...if all goes well on manual review.
Good luck OP!!
My Citi approval last year was much like this... I got the same message right away, and a week passed and I heard nothing.
I finally called them just to be told I would have to wait for them to contact me... I was assured there was nothing they needed from me. Ironically, a few days later I got an email from them telling me to call them or else my application would no longer be considered (seriously). I called them back at the number provided, and was asked some really basic questions (basically, they just re-hashed a few of the questions from the app) and the rep asked if she could call me right back to verify my phone (no problem).
She called me back a few minutes later and told me I was approved, albeit with only a $4k limit. My resources are more modest than many on here but my other card limits were trending higher so I was slightly disappointed but not surprised. I have received a couple of CLIs since then though, so it's growing.
TL;DR... with Citi, sometimes you just have to be patient.
@Anonymous wrote:
I'd take a 4K limit. The airfare we want to buy is 3800. I'm actually hoping for much higher though. The Best Buy and simplicity cards we have are by far our lowest limits.
We did receive an email from citi this morning stating they are now processing the application and they will let us know in a week.
Best wishes! Where are you headed with that airfare, Mars? I'm rooting for a higher limit for you, to avoid heavy utilization score drops.
@Anonymous wrote:
We are doing another Hawaii trip and it's about 1300 a person for me, the wife, and our 2 year old.
Hawaii is a wonderful place, I lived on the windward side of Oahu for a bit. Am I the only one that thinks it's crazy for airlines to charge $1300 for a 2 year old though? Dont they count like a carry on?