Apple Financing with RBS Citizens

Commutator · ‎03-10-2015

So, I tried applying for the RBS Citizens financing option for students, mostly to get an installment loan for credit mix. They rejected me, and I was wondering if there might be a backdoor number that someone knows of? The hotline CSR I tried calling wasn't very helpful.

Creditaddict · ‎03-10-2015

@Commutator wrote:
So, I tried applying for the RBS Citizens financing option for students, mostly to get an installment loan for credit mix. They rejected me, and I was wondering if there might be a backdoor number that someone knows of? The hotline CSR I tried calling wasn't very helpful.

The Credit Line up in your sigi says you were denied because this product is not designed for you! To good of credit!

(at least if my thoughts are correct, that is the best reason to be denied something!)

Commutator · ‎03-10-2015

@Creditaddict wrote:
@Commutator wrote:
So, I tried applying for the RBS Citizens financing option for students, mostly to get an installment loan for credit mix. They rejected me, and I was wondering if there might be a backdoor number that someone knows of? The hotline CSR I tried calling wasn't very helpful.
The Credit Line up in your sigi says you were denied because this product is not designed for you! To good of credit!
(at least if my thoughts are correct, that is the best reason to be denied something!)

Thanks for making me feel better haha. The denial message did suggest getting a co-signer though. Well, whatever it is, being denied is annoying; all I ever wanted was something to even out my credit profile!

jesseh · ‎03-10-2015

It's pretty strange, calling them and asking to speak to a credit analyst won't hurt

Their corporate no is (401) 456-7000, I'd try that

taxi818 · ‎03-10-2015

You can always go the secured loan route. with sdfcu. no credit check. and only 5 dollars a month payments for 48 months. is pretty easy to balance credit out. as it will not make that much difference in score. but you will get a few points for credit mix. at the same time. you will lose a couple for AAoA on new account. so its really just worth it to leave it alone until you have something legit to purchase. not just for purchasing sake.

B335is · ‎03-10-2015

RBS is a strange bank. They rejected me for a Citizens First card a few years ago, simply stating I had plenty of credit available.

Commutator · ‎03-17-2015

@jesseh wrote:
It's pretty strange, calling them and asking to speak to a credit analyst won't hurt
Their corporate no is (401) 456-7000, I'd try that

Finally tried it, no luck. He asked why I was declined and I quoted the email that said "unable to make a decision based on your lack of individual credit history", then he said that there's nothing he can do.