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Epic Contributor
Creditaddict
Posts: 20,972
Registered: ‎10-23-2007
0

Citi APP - Declined... BUT??!!! - President Office Contact Update...

[ Edited ]

Okay so declined for BK and INQ... I have not heard that the BK would really be a problem after so many years and INQ is fair... he said I could pull my EX and write in to have it reviewed if I think I deserve it.... is that worth it? Any number to call that I can do that over the phone?

 

I was quite impressed that he never said a "letter is on it's way to tell you why, I can't! blah stuff I hate hearing!

 

Further more I figured EX Pull but asked and he confirmed and then I stepped out where I REALLY thought he would read some line and asked score, to my jaw dropping on floor he came back with 692!

 

692!!!! WHAT???! The only thing I could think of is "WHAT, 692 and I didn't get approved!!? HAHA  That is about I don't know 60+ points higher then I would have ever guessed!  Should I apply for Home Depot? or who else? would the bk matter less?

I have always shyed away from EX pullers because to my knowledge it's always been my worst... I think it might be my best now!

Fico Scores: EQ- 682 DCU, TU 696 Walmart, EX 686 Prosper(10-30-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
63 Cards and Counting :smileytongue:
Regular Contributor
rudy0720
Posts: 220
Registered: ‎08-10-2012
0

Re: Citi APP - Declined... BUT??!!!

I had a BK in Aug 2004 discharged Dec 2004 so 8 years npw. I have been approved for 4 Citi cards this year with CL's from $4100 to $12,000.

 

Hope that helps

Citi Thank You Premier Visa Signature-$9K, Citi Thank You Preferred Vis Signature-$8.3K, Citi AA Signature- 8.5K, Citi Simplicity 9.2K, Citi Diamond-6.1K, Lowes-$10K, Chase Sapphire Preferred- $ 5K, AMEX BCE $14.5K, AMEX Starwood Preferred $15K, ,AMEX Everyday-$5K, Fidelity Amex-$10K, US Bank 123 rewards Kroger-$17K, Penfed Platinum Rewards Visa Signature-$30K, Amex Delta-$10K, Barclay Arrival Plus- $10K, Penfed Travel Rewards Amex-$10K, Bank of America Cash Rewards- $14K
Senior Contributor
drkaje
Posts: 3,492
Registered: ‎07-25-2008
0

Re: Citi APP - Declined... BUT??!!!

[ Edited ]

Ex may have the fewest inquiries.

 

Don't forget to get your free credit report from Ex.


Starting Score: 675
Current Score: EX 753 FICO, EQ 737FICO, TU 738
Goal Score: 776 FICO


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Contributor
pkhuu78
Posts: 101
Registered: ‎12-08-2011
0

Re: Citi APP - Declined... BUT??!!!

I also filed for BK back in 2004.  Just got approved for Citi TY and Citi Hilton Hhonnors Reserve this month.

 

Try this:

 

Executive Review Department

P.O. Box 6000

Sioux Falls, SD 57117

718-248-6433


......NPSL.........14.5 K............30 K..........20 K.........10 K...............8 K.............7.5 K..........
Epic Contributor
Creditaddict
Posts: 20,972
Registered: ‎10-23-2007
0

Re: Citi APP - Declined... BUT??!!!


pkhuu78 wrote:

I also filed for BK back in 2004.  Just got approved for Citi TY and Citi Hilton Hhonnors Reserve this month.

 

Try this:

 

Executive Review Department

P.O. Box 6000

Sioux Falls, SD 57117

718-248-6433


WOW THANKS!

 

They are closed but I left a message and I might just follow up tomorrow "afternoon" if I don't hear from them in the "morning" as the vcmail says!

Fico Scores: EQ- 682 DCU, TU 696 Walmart, EX 686 Prosper(10-30-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
63 Cards and Counting :smileytongue:
Contributor
pkhuu78
Posts: 101
Registered: ‎12-08-2011
0

Re: Citi APP - Declined... BUT??!!!

good luck and let me know..


......NPSL.........14.5 K............30 K..........20 K.........10 K...............8 K.............7.5 K..........
Frequent Contributor
sandman2435
Posts: 414
Registered: ‎01-22-2011
0

Re: Citi APP - Declined... BUT??!!!

I just applyed and got approved for $11,000...for the same card...had to call the backdoor number and after a 3 minute hold..I had a BK7 in july of 2003...This is my second citibank card in 3 months...4 free nights after spending $2500.00 within 4 months ...sounds like a very good deal to me

Frequent Contributor
sandman2435
Posts: 414
Registered: ‎01-22-2011
0

Re: Citi APP - Declined... BUT??!!!

I think the co-branded cards are easier to get..As I seem to get turned down for the others..Like the thank you cards and the ones that offer 15 to 18 months 0% intrest free..Which is fine with me..as I don't have any balances on any cards..U get more free stuff with the co-branded cards

Established Contributor
bamagirl1
Posts: 1,045
Registered: ‎12-30-2007
0

Re: Citi APP - Declined... BUT??!!!


rudy0720 wrote:

I had a BK in Aug 2004 discharged Dec 2004 so 8 years npw. I have been approved for 4 Citi cards this year with CL's from $4100 to $12,000.

 

Hope that helps


Rudy-Did you have to recon any of your apps or were they automatic approvals? Creditaddict let me know how phone call goes etc. I was declined for inquiries. I may also attempt to conact via mail as sometimes I can articulate what I want to say better on paper than over the phone. Has anyone had success calling the number or writing a letter?

~01/2008 Ficos TU 571-EX 647-EQ 652~
~3/21/2009 Ficos TU 705 EX 702 EQ 692~
~9/9/09 Ficos TU 718 EQ 693 EX???
~06/25/12 Ficos TU 719 EQ 677 EX??
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

Re: Citi APP - Declined... BUT??!!!

I want a Citi card!!!!! :smileyhappy:



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
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