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CITI BANK CREDIT CARD ..... Blacklisted?

New Contributor

Re: CITI BANK CREDIT CARD ..... Blacklisted?

I got a call from a executive customer service lady. And said she sent over my app to an underwriter to see if he can override all the hard inquiries I had like 7! I told her the reason was that I bought a car 3 weeks ago and was shopping around for the best offer. So she said she went ahead and was able to ovveride it and that my CL is $3,000! So now I have the Thank You card and im so excited Smiley Very Happy She said I will get my card within a week. I guess the CITI AA card I had like 6 years ago that went into collections I owed like $5,000 they forgave me Smiley Very Happy From just having a Capital One card with CL of $300. just 3 weeks ago. To now having a AMEX Blue CL $1.5k , CiTI thank you 3K, and an a Auto Loan of $10k. Things are looking up! This time I will be RESPONSIBLE!!!!! Time to GARDEN Smiley Happy

 

Im still waiting on one more US BANK Rewards card. They said verification needed. So we will see how that one goes if not. Im happy with what I got. Considering I had nothing 2 months ago! =D  

Message 11 of 17
Moderator Emerita

Re: CITI BANK CREDIT CARD ..... Blacklisted?

Message 12 of 17
Valued Contributor

Re: CITI BANK CREDIT CARD ..... Blacklisted?

Did B of A automatically approve you when you applied and do you think having an ML account helped.
Message 13 of 17
Valued Contributor

Re: CITI BANK CREDIT CARD ..... Blacklisted?

Congrats on getting the Citicard.

It seems like all the banks that blacklist are inconsistent in their blacklist policy, except American Express I'd the exception because at least they are consistent. You pay them and they take you off the list. If you PIF the other banks its no guarantee.
Message 14 of 17
Established Contributor

Re: CITI BANK CREDIT CARD ..... Blacklisted?


plasticcards wrote:

I got a call from a executive customer service lady. And said she sent over my app to an underwriter to see if he can override all the hard inquiries I had like 7! I told her the reason was that I bought a car 3 weeks ago and was shopping around for the best offer. So she said she went ahead and was able to ovveride it and that my CL is $3,000! So now I have the Thank You card and im so excited Smiley Very Happy  


Congrats!

 

~kn


EQ: 700 (FICO ScoreWatch) 11/26/14
EX: ??? (No Current)
TU: 681 (Discover FICO) 11/12/14

Last App 9/22/14... In Garden 'till Summer '15
Message 15 of 17
Highlighted
Valued Contributor

Re: CITI BANK CREDIT CARD ..... Blacklisted?

Congrats!

Last Pulled EQ: 809
Last Credit Card App: 02/05/2016
Last CLI: 02/06/2016
Find Me: Gardening
Message 16 of 17
Senior Contributor

Re: CITI BANK CREDIT CARD ..... Blacklisted?

Congrats! Its always good to see someone getting a second chance. 

Message 17 of 17