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12-07-2012 11:52 PM
I took the plunge and apped for CDP recently. I got denied due to "too many recently opened accounts"
They pulled EQ. My score is like 700+. I've only opened Chase, Discover, and Amex in the past few months just to continue my transition in my credit journey to have "prime" accounts. Most of the success I've seen on the internet is with writing the Exec Office, which seems like a hassle, or getting an old lady to recon me. I was told to wait until I get the letter, which I've yet to receive. Lol... I feel like I could prob get somewhere without the letter though.
So what should I do? I feel dumb for gettin denied esp. since Ive busted my azzzz to get my fico this high and keep all of my stats in line. Surely, someone over at Citi gets that having a Citi card is better than have a Crapital1 card or "Orchard Bank" LOL?
I mean.... Get real Citi; I have a $10,500 Amex for God's sake!!!!!
Ideas? Thoughts? Lol
Citi gave me the Diamond Preferred card when I apped earlier this year. They gave me a $3000 CL. After 6 months and no auto CLI, I called and asked for a CLI. I was denied. The reason? Too much available unused credit from OTHER cards. If you look in my signature below, you will notice that one card is a way lower CL than everyone else, and that is Citi. I would not throw your high CL's on other cards out there as a reason, becuase that is the reason they denied me.
12-08-2012 11:08 AM
Lol denied reconsideration! Ugh! Too many accounts opened but I havent even used any of those stupid credit lines!!!
maybe the recon denial was because of the too many accts AND the unused CLs?
like: why does he want a new cc when he doesn't use what's available to him now?
12-08-2012 01:40 PM
12-08-2012 03:08 PM - edited 12-08-2012 03:12 PM
Well... Do yall think if I offered to close a few accounts that they may approve me? I'm willing to close like Chevron and Amazon I think. That'd free up like $4500 of credit that they could extend me.
I dont think closing subprime cards is gonna make a difference to them. They hate INQs which would make sense as to why they also dislike new accounts with large tradelines like that regardless of your score. Citi really should be apped first in an app spree.
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