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Hello Forum Community,
I am new to the forum, and am actually supposed to be gardening. Apparently I forgot my gardening hoe, had to leave the garden for a brief moment and instead of returning, I have been on an app spree. I was recently applied and was denied for Citi Thank You Preferred and Barclay's. I was considering calling the backdoor numbers for reconsideration, but was wondering if creditor were able to see if an account is an individual or joint account. I think the denial will be for too many inquires, and of course I am not going to reveal that I have been on an app spree. My reason is to state I am currently separating from my fiance in which we had joint accounts and I want to establish more of my own. FYI...I have been recently approved for a few store cards, Citi Simplicity, and gas cards.
Anyone have any words of suggestion?
might as well call. Cant hurt
Thanks for the letting me know they can see the responsiblity. I don't really know if I should really call the backdoor number for not having a valid reason for seeking another card with them. I hope to make it back to the garden very soon for an entire year, at least.
@aneauness wrote:
Thanks for the letting me know they can see the responsiblity. I don't really know if I should really call the backdoor number for not having a valid reason for seeking another card with them. I hope to make it back to the garden very soon for an entire year, at least.
Well you already applied and took a hit. No harm in asking. If denied, then head to the garden. If approved, head to the garden. Its only a phone call and can be a good one. If its not then you are still in the same position you are in now.
I think I will follow your advice and make the call; the worst thing they can tell me is no verbally. The garden is definitely where I need to be.