Reply
Super Contributor
Posts: 6,621
Registered: ‎04-07-2008
0

Re: Cards You Just Can't Seem To Obtain!

CITI

 

I'm 0-3 with them in the last 2 years.

 

Reason: Always too many inqs (even with 4 inqs on EX at that time) bogus...bogus




Valued Contributor
Posts: 2,110
Registered: ‎12-29-2011
0

Re: Cards You Just Can't Seem To Obtain!

[ Edited ]

I can't seem to get approved for the Citi Forward card...and it eats me when I see a CITI student card approved with NO income and mine denied b/c of inquires...What gives CITI! Oh and Chase Freedom...I think I applied to them when I had no credit...denied of course due to lack of credit at the time. Maybe I should try again since I bank with them??

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
Posts: 2,280
Registered: ‎07-23-2012
0

Re: Cards You Just Can't Seem To Obtain!

well im not denied by any i want atm. 

i guess costco true earnings lol. 

 

i was 0 for 4 for chase. (honestly dont even remember the cards i apped for) 

but this summer was approved for a freedom instantly. 

 

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$6,400
Citi DC $10,000
Citizens Mastercard$7,000
Valued Contributor
Posts: 2,110
Registered: ‎12-29-2011
0

Re: Cards You Just Can't Seem To Obtain!

Cards I'm thinking of applying for in a few months are:

 

Amex Blue Cash

Chase Freedom or BofA Cash Rewards

Citi Forward

 

They really need to have one super awesome card with all the features I want on one!

 

Though I did get a preapproval offer from AMEX for their gold card but me no likey AFs...lol

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)






Contributor
Posts: 139
Registered: ‎05-30-2011
0

Re: Cards You Just Can't Seem To Obtain!

I had to kick and scream to get in with Citi finally.


Experian (CreditSesame)- 823 (8/2/14), 823 (Credit.com) (8/2/2014)
Equifax Fico (Citi) Fico- 808 (12/23/14)
Transunion (Credit Karma)- 790 (8/2/14)
Vantagescore (Credit Karma)- 896 (8/2/14)
Vantagescore 3.0 (credit.com)- 805 (8/2/14)
Frequent Contributor
Posts: 386
Registered: ‎05-23-2012
0

Re: Cards You Just Can't Seem To Obtain!

Amex BCP - I've been jonesing for it for months and have applied a few times, but no love.  I've had a Amex PRG since July.  Also can't seem to get any Citi card - applied for Simplicity, Forward and Dividend and no for all of them.  Applied in June.  Chase likes me though - approved for United Club Visa and Mileage Explorer Visa at end of May.  Will let my inquiries age a bit and maybe give the BCP another shot in December.  I'm going to forget Citi for now.

Regular Contributor
Posts: 116
Registered: ‎12-29-2008
0

Re: Cards You Just Can't Seem To Obtain!

Anycard with a 2k or more CL.... lol

2/2011=EQ: 590
11/2012=EQ: 683 (after 4 card app spree and reporting)
10/2013=EQ: 708 (reached my goal!! for 2013) EX(amex): 668 TU(Disc):680
Goal = 725 by 6/2014
Amex Zync/NPSL | Amex Green/NPSL | AMEX BCP/15k | Chase Freedom/2.2K | Best Buy/800 | Discover IT/6.4K | Citi HHonors Reserve/3K | Chase Hyatt/5k | Sapphire Preffered/9K
Super Contributor
Posts: 6,621
Registered: ‎04-07-2008
0

Re: Cards You Just Can't Seem To Obtain!

I will eventually get in with CITI. I said the same thing about BOA and they gave me a card some months ago.

 

I want the CITI Diamond




Valued Member
Posts: 46
Registered: ‎09-07-2012
0

Re: Cards You Just Can't Seem To Obtain!

Actually Tommy, applying in the store doesnt help your chances.

 

For about 15 years, the "credit staff" in most stores are just filling out information which goes to a central processing center where credit decisions are made.  The store staff are just clerks that input data and reply "yes" or "you will get a letter".

 

If you apply via phone, often its the same thing.  A central group actually analyzes the data and makes decisions; phone staff are often just clerks putting in data.

 

If there isnt enough information, or they want to talk to you, they will transfer you or tell you to call the credit decision dept; those are the only people that can help turn a "maybe" or a "no" into a "yes".

 

 

Its all organized this way for cost-reduction; rather than a credit staffer at every store (or a credit dept, like Sears used to have back in the day), they just have regular cheap clerks handle data entry, and a full-time group located offsite that does analysis and decisions.  Not only is this cheaper to operate, it insulates the bank from accusations of making unfair credit decisions based on discrimination (race, gender, etc).

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.