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Frequent Contributor
Posts: 260
Registered: ‎03-26-2011
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Citi Denial

Ok, so I was denied for a Citi card back on 3/11/11 due to too many inquiries, 6 to be exact. 2 have been removed now from my report due to fraud, how long should I wait to reapply? I'm thinking I should just forget about Citi, but would be nice to have 1 of their cards. They do have good BT offeres if I were to ever need one.

9/6/14 TU 716 EX 700 EQ 681
Lowe's $15,000/GM BuyPower $10,000/Sam's Club $8500/Discover $8000/Wells Fargo Visa $7000/Sam's Club MC $7000/WalMart MC $5000/Barclays Rewards $4500/Macy's $4200/State Farm $4000/Old Navy Visa $4000/Amazon $4000/Nationwide Visa $3500/GM Card $3000/Wells Fargo AmEx $2500/Frontier $2500/AmEx Costco $2000/BP Visa $1500/Chase Freedom $1000/AmEx Delta $1000/US Bank Platinum $1000/Wells Fargo PLOC $5000
Valued Contributor
Posts: 1,074
Registered: ‎04-24-2008
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Re: Citi Denial


junior88 wrote:

Ok, so I was denied for a Citi card back on 3/11/11 due to too many inquiries, 6 to be exact. 2 have been removed now from my report due to fraud, how long should I wait to reapply? I'm thinking I should just forget about Citi, but would be nice to have 1 of their cards. They do have good BT offeres if I were to ever need one.


I would try to apply for a Shell Credit Card - offer through CITI. You can begin a relationship with CITI that way and than re-apply down the road for one of their CC. Just make sure there are no baddies what so ever when you apply for any of their cards, if you want a high success rate of approval.

 

I have seen others get approved with scores in the 660-699 range. I for one is reluctant to obtain any new CC until my score hit 720. Keep in mind, too many inquiries will hurt your score and chances of approval so choose wisely.  

 

My sister applied and was approved for a CL of $15K recentely. She has no baddies, and Fico score of 750 w/a UTIL of 15% as a FYI......

 

Good luck !!

 

 

Frequent Contributor
Posts: 260
Registered: ‎03-26-2011
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Re: Citi Denial

Thanks for the advice, I was thinking of doing that. I did just look over my EQ report and there are a bunch more of fraud inquiries on their. I have been a victim of ID Theft in the past. I had a fraud alert on my EQ but something happened to it.  I may or may not apply, I'm really considering just freezing EQ also and then all 3 will be that way.

9/6/14 TU 716 EX 700 EQ 681
Lowe's $15,000/GM BuyPower $10,000/Sam's Club $8500/Discover $8000/Wells Fargo Visa $7000/Sam's Club MC $7000/WalMart MC $5000/Barclays Rewards $4500/Macy's $4200/State Farm $4000/Old Navy Visa $4000/Amazon $4000/Nationwide Visa $3500/GM Card $3000/Wells Fargo AmEx $2500/Frontier $2500/AmEx Costco $2000/BP Visa $1500/Chase Freedom $1000/AmEx Delta $1000/US Bank Platinum $1000/Wells Fargo PLOC $5000
Established Member
Posts: 28
Registered: ‎01-12-2011
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Re: Citi Denial

CITI bank wont approve if you have one inq.  thats way too many for them .

Valued Member
Posts: 38
Registered: ‎09-22-2010
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Re: Citi Denial

This is definitely a "Your mileage may vary type thing".

 

I had probably 3 or 4 inq's when i applied for both a Visa and Amex in Ctiti's AAdvantage line.

 

I was approved for both.

 

 

EQSmiley Frustratedtart: 656 (09-22-10)
Current: 705

TU:Current: 715
Target: 760
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Regular Contributor
Posts: 198
Registered: ‎10-22-2010
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Re: Citi Denial

 


maxn4s wrote:

CITI bank wont approve if you have one inq.  thats way too many for them .


I was approved with 10 or 11 inquiries (over the 2 year span on my Ex)

 

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