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Valued Contributor
maiden_girl
Posts: 2,106
Registered: ‎12-29-2011
0

3 of 4.HECK YEA!

[ Edited ]

Ok so I've been app'ing a lot this last month...results as followed...question...WHY IS IT SO HARD TO GET CITI???! I want that dang forward card for the rewards! What do I need to do to get this app approved? I've already tried a RECON. It was a no go due to too many inquires from 2011 auto loan apps (I have no clue why its not classified as one b/c I was rate shopping). Should I try RECON again? Or just wait the 90 days or so to reapply??

Citi Forward*Denied 
GE Amazon*Approved. $1k CL
Discover More*Approved. $1.5k CL
Discover Walmart*Approved. $1k CL
The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)






Valued Contributor
Duncanrr
Posts: 2,843
Registered: ‎06-08-2012
0

Re: 3 of 4.HECK YEA!

Grats. What's your scores/report like? How old are those auto inquiries?


Starting Score: EQ 551 TU 548 CK 607on 6/8/12, EX 542(AMEX pull 3/4/12)
Current Score: EQ 710 TU 727 EX 704 CK 719(FAKO-EX 697, EQ 697, TU 697)
Goal Score: 750

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Valued Contributor
maiden_girl
Posts: 2,106
Registered: ‎12-29-2011
0

Re: 3 of 4.HECK YEA!


Duncanrr wrote:
Grats. What's your scores/report like? How old are those auto inquiries?

700ish. 20+ inquires now. Most of them were from mid 2011 when the dealership was trying to shop my auto loan around....at least 12 are from them doing that. The rest are my own.

 

The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)






Senior Contributor
bichonmom
Posts: 3,318
Registered: ‎05-05-2011
0

Re: 3 of 4.HECK YEA!


maiden_girl wrote:

Ok so I've been app'ing a lot this last month...results as followed...question...WHY IS IT SO HARD TO GET CITI???! I want that dang forward card for the rewards! What do I need to do to get this app approved? I've already tried a RECON. It was a no go due to too many inquires from 2011 auto loan apps (I have no clue why its not classified as one b/c I was rate shopping). Should I try RECON again? Or just wait the 90 days or so to reapply??

Citi Forward*Denied 
GE Amazon*Approved. $1k CL
Discover More*Approved. $1.5k CL
Discover Walmart*Approved. $1k CL

citi is a prime lender. You have 2 GE cards, which are great for CLIs and to build history. Definitely call after your 4th stmt cuts for CLIs.

 

You need to build more positive history before you can get citi. They appear to be a little harder than say chase freedom or Barclays. They want to see at least 2 TLreporting for over a year, which you just barely have with your Macy's card. I'd let your new CCs age for 6-12 mos. You have a lot of inq, even without the auto loan. That will give those time to age as well. Then app again for citi. Alsoafter a year of CLIs with GE, your cr will have some nice, healthy CLs for them to see and match.

~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*~*
EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Frequent Contributor
WarJar101
Posts: 341
Registered: ‎08-14-2012
0

Re: 3 of 4.HECK YEA!

I apped for the student card. You could follow me and see if I get approved, and if your eligible maybe you could try your luck with that. I've been waiting nearly two months, sending in documents to prove my identity and my enrollment in school. Hopefully, since they're making me do all this run aroud Ill get approved. Sorry to hear about your denial though, at least you got some good cards from your app spree. I'm stuck with my first cc by Crap One....

 

Cap One Platinum MC $2.5k CL (08/12)
Citi Forward Student Visa Card $1.5k CL (09/12)
Express NEXT Card $0.25k CL (02/13), Jcrew CC $0.7k CL(02/13)
AMEX PRG NPSL (03/13), AMEX Gold Delta Skymiles 2k (03/13)
Walmart Credit Card $1.5k (03/13)
TU: 687 FICO (3/13) | EX: 692 Lender Pull (3/13) | EQ: 678 (4/1/13)
Valued Contributor
maiden_girl
Posts: 2,106
Registered: ‎12-29-2011
0

Re: 3 of 4.HECK YEA!


bichonmom wrote:

maiden_girl wrote:

Ok so I've been app'ing a lot this last month...results as followed...question...WHY IS IT SO HARD TO GET CITI???! I want that dang forward card for the rewards! What do I need to do to get this app approved? I've already tried a RECON. It was a no go due to too many inquires from 2011 auto loan apps (I have no clue why its not classified as one b/c I was rate shopping). Should I try RECON again? Or just wait the 90 days or so to reapply??

Citi Forward*Denied 
GE Amazon*Approved. $1k CL
Discover More*Approved. $1.5k CL
Discover Walmart*Approved. $1k CL

citi is a prime lender. You have 2 GE cards, which are great for CLIs and to build history. Definitely call after your 4th stmt cuts for CLIs.

 

You need to build more positive history before you can get citi. They appear to be a little harder than say chase freedom or Barclays. They want to see at least 2 TLreporting for over a year, which you just barely have with your Macy's card. I'd let your new CCs age for 6-12 mos. You have a lot of inq, even without the auto loan. That will give those time to age as well. Then app again for citi. Alsoafter a year of CLIs with GE, your cr will have some nice, healthy CLs for them to see and match.


Thanks. I'll wait it out and apply again.

The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)






Valued Contributor
maiden_girl
Posts: 2,106
Registered: ‎12-29-2011
0

Re: 3 of 4.HECK YEA!


WarJar101 wrote:

I apped for the student card. You could follow me and see if I get approved, and if your eligible maybe you could try your luck with that. I've been waiting nearly two months, sending in documents to prove my identity and my enrollment in school. Hopefully, since they're making me do all this run aroud Ill get approved. Sorry to hear about your denial though, at least you got some good cards from your app spree. I'm stuck with my first cc by Crap One....

 


Let us know how that goess!

 

The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)






Established Contributor
snowkitty
Posts: 985
Registered: ‎09-10-2012
0

Re: 3 of 4.HECK YEA!

Congrats on the 3/4

 

I got denied yesterday for the forward card as well. But...I did apply for the Shell gas card they have and got an instant approval! I really needed a gas card and I feel like it got my foot in the door with them. I called to recon the forward card and the girl told me that I had too many new accounts and to pay on those and call back in 3 months. Maybe that is an option for you as well?  :smileyhappy:

TU Fico 714 | Sesame 742 | Credit Karma 762 | Wal-Mart FICO 734 | EX FICO 695 (1/28/13) | EQ 740 (3-21-13)

Amex Blue Sky 7.2k | Amex BCE 13.1k | Citi Diamond Preferred 10.2k | CSP 5k | Bofa Cash 9k | Boa Travel 10k | Discover More 3k | Chase SW 5k | Wal-Mart 3.3k | Amazon 5k | Old Navy Visa 5k | Shell 1200 | BP 400 | VS 1500 | Sam's Discover 8.5k | FNBO Amex 16k | Chase Freedom 1.3k | Home Depot 5k | Brylane Homes 1600 | BML 2820

App free since 12/11/13*
Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012
0

Re: 3 of 4.HECK YEA!

Congrats

Frequent Contributor
WarJar101
Posts: 341
Registered: ‎08-14-2012
0

Re: 3 of 4.HECK YEA!

I got approved sometime last night apparently for a  $1,500 CL!!!! Not bad for a student VISA card right!!!! Apply for the student cards and see if you get approved! It may take you about two months as it did for me, but it's worth it! I refuse to get a secured card.

Cap One Platinum MC $2.5k CL (08/12)
Citi Forward Student Visa Card $1.5k CL (09/12)
Express NEXT Card $0.25k CL (02/13), Jcrew CC $0.7k CL(02/13)
AMEX PRG NPSL (03/13), AMEX Gold Delta Skymiles 2k (03/13)
Walmart Credit Card $1.5k (03/13)
TU: 687 FICO (3/13) | EX: 692 Lender Pull (3/13) | EQ: 678 (4/1/13)

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