08-31-2012 12:28 AM - edited 08-31-2012 01:23 AM
Bit the bullet and apped for the Citi Platinum tonight. FYI, here's a page w/$150 cash back: https://creditcards.citi.com/credit-cards/citi-div
I got a pending message, but then it took me to a page to set up online account, paperless billing, etc. So, I was feeling optimistic, because I figured, why would it be having me set up all that if they were going to deny me. But then, while entering my info, I hit the backspace to make a correction and the blasted website went back to the previous page, which then gave me an error message.
I checked my email and got a msg that "we are currently processing your app and w/be in touch within 1 week." (!) There's a link, but no additional info there. It looks to me like the computer wants a human to review it.
Has anyone had this happen and been approved? Is this type of msg usually a sign of denial? I have good credit now, but had a CO from the 80s, so I'm concerned that that might be the problem.
ETA: I just checked my 3 in 1 CR on USAA, and they pulled EX. Hopefully they won't pull any others.
08-31-2012 05:06 AM
I had the same thing happen. Call them to get the status of your application. With me, they needed proof of address and a copy of my drivers license. I received my approval apprx 1 week after I sent them a utility bill.
08-31-2012 09:29 AM
Thanks! I checked this morning, and I was approved!
08-31-2012 09:31 AM
Congrats on your approval! What is your CL?
08-31-2012 09:34 AM
08-31-2012 09:44 AM
08-31-2012 09:51 AM
08-31-2012 10:06 AM
08-31-2012 10:55 AM
You were worried about a CO from the 80's? LOL
08-31-2012 12:32 PM
Well, some people have been permanently blacklisted. It may be that the amount I owed wasn't very much. It's been so long, I really don't remember. But I do know my CLs weren't very large compared to today's CLs.
Some people have reported here a 10-year window for blacklisting. But there's really no way to know for sure. Some have also not gotten cards because of very old COs.
I consider myself very fortunate to have a second chance with them!
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO