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Established Contributor
snowkitty
Posts: 985
Registered: ‎09-10-2012
0

Citi Forward denial :(

I just could not control myself a bit ago and now I'm bummed out. I posted earlier that I tried for the bp gas card from Chase and more than likely got denied....so I tried for the shell card from citi and got instantly approved for 600.00. I got so excited and felt big and bad for some reason (lol) so I applied for the citi forward card and got shot down.....I called cause it was pending and they said I just opened the shell one today and that I have a few new accounts and to pay those good and call back in 3 months. It's all good cause I didn't need it anyways but it bothers me that I gave in to the temptation so easily.....I have ahold of myself now and I am in the garden no matter what. It just feels so good to get approved after being told no for so long.....know what I mean??
TU Fico 714 | Sesame 742 | Credit Karma 762 | Wal-Mart FICO 734 | EX FICO 695 (1/28/13) | EQ 740 (3-21-13)

Amex Blue Sky 7.2k | Amex BCE 13.1k | Citi Diamond Preferred 10.2k | CSP 5k | Bofa Cash 9k | Boa Travel 10k | Discover More 3k | Chase SW 5k | Wal-Mart 3.3k | Amazon 5k | Old Navy Visa 5k | Shell 1200 | BP 400 | VS 1500 | Sam's Discover 8.5k | FNBO Amex 16k | Chase Freedom 1.3k | Home Depot 5k | Brylane Homes 1600 | BML 2820

App free since 12/11/13*
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

Re: Citi Forward denial :(

Might be good to freeze your reports, less temptation.
Congrats on your shell card!



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Established Contributor
snowkitty
Posts: 985
Registered: ‎09-10-2012
0

Re: Citi Forward denial :(

Thanks.....I won't have to do anything that drastic....I had a moment of weakness and now I feel crappy and disappointed at myself so I have learned my lesson. :smileyhappy:
TU Fico 714 | Sesame 742 | Credit Karma 762 | Wal-Mart FICO 734 | EX FICO 695 (1/28/13) | EQ 740 (3-21-13)

Amex Blue Sky 7.2k | Amex BCE 13.1k | Citi Diamond Preferred 10.2k | CSP 5k | Bofa Cash 9k | Boa Travel 10k | Discover More 3k | Chase SW 5k | Wal-Mart 3.3k | Amazon 5k | Old Navy Visa 5k | Shell 1200 | BP 400 | VS 1500 | Sam's Discover 8.5k | FNBO Amex 16k | Chase Freedom 1.3k | Home Depot 5k | Brylane Homes 1600 | BML 2820

App free since 12/11/13*
Valued Contributor
maiden_girl
Posts: 2,106
Registered: ‎12-29-2011
0

Re: Citi Forward denial :(

Citi Forward is the card I need to get now b/c they've denied me 3 times. LMAO. 4th a charm maybe? I'll wait until my UTL is down and a few more months before trying again.

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)






New Contributor
ItchyAppFingers
Posts: 96
Registered: ‎07-31-2012
0

Re: Citi Forward denial :(

I also gave into temptation yet again or the 2nd time around. Last year I got denied for this card due to lack of credit history. This year I applied for the Citi Forward again and got shot down for a different reason "too many inquires on my credit report" "too many new accounts opened in the last 6 months" I think ill back off and garden for a while as my new inquires cool off.
My Current Plastic: {Amazon Store Card} {Amazon Visa} {Amex Zync} {Amex Gold PRG} {Amex BCE} {Bloomingdales} {BOA 123 Cash Rewards} {Capital One Platinum Visa} {Chase Freedom Visa} {Discover IT} {Kohls} {Macy's} {Nordstrom} {SonyCard Visa} {Target RedCard}
Established Contributor
snowkitty
Posts: 985
Registered: ‎09-10-2012
0

Re: Citi Forward denial :(


ItchyAppFingers wrote:
I also gave into temptation yet again or the 2nd time around. Last year I got denied for this card due to lack of credit history. This year I applied for the Citi Forward again and got shot down for a different reason "too many inquires on my credit report" "too many new accounts opened in the last 6 months" I think ill back off and garden for a while as my new inquires cool off.

I'm definitely going to wait longer than the 3 months she said. I need to be in the garden for a while. All my cards have been opened within a month and there are a few extra inquiries from apps that were denied. I got bummed out about getting denied and then I saw posts yesterday about people getting cards taken away from opening too much at one time so I may never want to leave the garden again....lol

 

TU Fico 714 | Sesame 742 | Credit Karma 762 | Wal-Mart FICO 734 | EX FICO 695 (1/28/13) | EQ 740 (3-21-13)

Amex Blue Sky 7.2k | Amex BCE 13.1k | Citi Diamond Preferred 10.2k | CSP 5k | Bofa Cash 9k | Boa Travel 10k | Discover More 3k | Chase SW 5k | Wal-Mart 3.3k | Amazon 5k | Old Navy Visa 5k | Shell 1200 | BP 400 | VS 1500 | Sam's Discover 8.5k | FNBO Amex 16k | Chase Freedom 1.3k | Home Depot 5k | Brylane Homes 1600 | BML 2820

App free since 12/11/13*
Contributor
SoCalBound
Posts: 96
Registered: ‎06-24-2012
0

Re: Citi Forward denial :(

Research and patience are key.  Each new inquiry and new account can not only add to a denial but also a denial of credit increases.   When in the rebuilding stage, cli are key to getting out of the toy limits.  A bunch of low limit cards will never feel as good as good limit primes. 

Zync NPSL, BCP ($2000), Chase United ($2000) Chase Amazon ($1500), Chase Freedom ($3000), Discover More ($2000), Paypal Extras ($5000), Citi Forward ($2000), Orchard $2000, Amazon ($5000)
Pre-App Scores: TU98 779, TU04 797, EQ 682, EX 788 (Amex) 8/12
Established Contributor
Jlu
Posts: 785
Registered: ‎06-12-2012
0

Re: Citi Forward denial :(

OP, I know what you mean. I apped for Discover More yesterday and hit submit. After a moment it asked me to upload a utility bill and the next screen said Congrats. Now I feel like apping for more but I won't.
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