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New Contributor
Posts: 55
Registered: ‎10-28-2012
0

Citi Forward denied - why? worth a recon? *UPDATED approved after recon and 1x extra HP*

[ Edited ]

 

I decided to app for a Citi Forward card to get the 5% rewards on Amazon and restaurants. After two weeks of 'further processing required', when I phoned up to check on it today I was told I was denied. After I appliied for the Citi Forward, I also went on a mini app spree and applied for Amex BCP and Amazon Chase Visa and got accepted instantly for both with CL of $7.6k and $3.1k respectively.

 

Does anyone know why I might have been denied for Forward? My credit report at the time I app'd would have shown my Amex PRG and PNC Points Visa both of which I have had 2+ years; no other negatives on my report other than a Comcast HP (idk why they even HP for this). Also the AMEX letter came saying they pulled EX and I had a 767 FICO score.

 

Should I bother to recon or just move on (the Citi TY Points aren't quite 1pt:1cent, so it's not that much better than the Amazon one)?

 

I suppose now that I have had three HPs (Amex BCP, Amazon Chase and Citi Forward) this month, I should probably garden for a few months heh. Well I suppose at least I increased my total CL from 3.3k to 14k, so I suppose I had some success and this should raise my FICO score, right?

 

 

(ps I've been lurking here for a couple of months now and the information I've learnt from you guys has been really helpful, so thanks!)

 

 

*UPDATED 11-20 (over a month later) approved after recon and 1x extra HP*

PNC Points Visa $3.3k (5/09), Amex PRG NPSP (9/10), Amex BCP $7.6k (10/12) -> $19.7k (3x CLI), Amazon Chase Visa $3.1k (10/12), Citi Forward Student $4k (11/12), Chase Southwest RR Premier $8k siggy (3/13 - 50k sign up bonus)

EX FICO 767 10/12
TU FAKO(? from Chase Amazon) 742/990 10/12
Valued Contributor
Posts: 1,969
Registered: ‎01-24-2012
0

Re: Citi Forward denied - why? worth a recon?

Did the cards you have have a balance reporting? If not, that is your reason. Citi is the only issuer I know that requires at least one account to show a balance.

Valued Contributor
Posts: 3,099
Registered: ‎10-02-2012
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Re: Citi Forward denied - why? worth a recon?

It's always worth trying to recon. Usually citi is a challenge to recon with, but you may have a chance.

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:23    


     $17k       $8.5K          Closed          $19k      $6.5k        $24.2k        Closed         $5k       Closed     $8.5k        Closed      @2.49%
Frequent Contributor
Posts: 455
Registered: ‎01-04-2012
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Re: Citi Forward denied - why? worth a recon?


nagisa wrote:

 

I decided to app for a Citi Forward card to get the 5% rewards on Amazon and restaurants. After two weeks of 'further processing required', when I phoned up to check on it today I was told I was denied. After I appliied for the Citi Forward, I also went on a mini app spree and applied for Amex BCP and Amazon Chase Visa and got accepted instantly for both with CL of $7.6k and $3.1k respectively.

 

Does anyone know why I might have been denied for Forward? My credit report at the time I app'd would have shown my Amex PRG and PNC Points Visa both of which I have had 2+ years; no other negatives on my report other than a Comcast HP (idk why they even HP for this). Also the AMEX letter came saying they pulled EX and I had a 767 FICO score.

 

Should I bother to recon or just move on (the Citi TY Points aren't quite 1pt:1cent, so it's not that much better than the Amazon one)?

 

I suppose now that I have had three HPs (Amex BCP, Amazon Chase and Citi Forward) this month, I should probably garden for a few months heh. Well I suppose at least I increased my total CL from 3.3k to 14k, so I suppose I had some success and this should raise my FICO score, right?

 

 

(ps I've been lurking here for a couple of months now and the information I've learnt from you guys has been really helpful, so thanks!)


welcome! Congrats on your approvals citi is bipolar.

New Contributor
Posts: 55
Registered: ‎10-28-2012
0

Re: Citi Forward denied - why? worth a recon?


navigatethis12 wrote:

Did the cards you have have a balance reporting? If not, that is your reason. Citi is the only issuer I know that requires at least one account to show a balance.


Pretty sure I had balances reporting. I almost always PIF but after the statement cut.

PNC Points Visa $3.3k (5/09), Amex PRG NPSP (9/10), Amex BCP $7.6k (10/12) -> $19.7k (3x CLI), Amazon Chase Visa $3.1k (10/12), Citi Forward Student $4k (11/12), Chase Southwest RR Premier $8k siggy (3/13 - 50k sign up bonus)

EX FICO 767 10/12
TU FAKO(? from Chase Amazon) 742/990 10/12
Valued Contributor
Posts: 1,772
Registered: ‎10-28-2011
0

Re: Citi Forward denied - why? worth a recon?

A credit increase does not increase score. The only time it would increase your score is if the increase in available credit lowered your util.

In your position if you were at 3k limit with 3% reporting you wouldn't see a gain going to 14k.
NFCU plat 5k | NAVCHECK 5k | NFCU cashrewards 15k | BOFA 123 6k |
Chase Freedom 1.5k | Amazon 3K | Walmart 3K | Buckle 300 | AMEX BCE 2.5K | CHASE CSP 12K | CITI sears 6k | Kay 2k

On the prowl for Chase Sapphire Preferred! APPROVED 12K!
scores 7/14 647 622 630 (85%util)
scores 8/14 767 760 758 Boom! finally in the 700 club
Valued Contributor
Posts: 1,524
Registered: ‎08-17-2008
0

Re: Citi Forward denied - why? worth a recon?

I say if you already got dinged for it then it doesn't hurt anymore to call to recon.

$100K in Credit
Last Credit Card App: 11/16/13
Valued Contributor
Posts: 2,110
Registered: ‎12-29-2011
0

Re: Citi Forward denied - why? worth a recon?

[ Edited ]

Always worth a recon when you take a HP!

 

CONGRATS on your other approvals tho!

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
Posts: 55
Registered: ‎10-28-2012
0

Re: Citi Forward denied - why? worth a recon?

Urgh I phoned them up and was told I need to wait for the letter which has a reference #, even though they would happily tell me what was on the letter.

 

Their customer service seems so ineffecient.

PNC Points Visa $3.3k (5/09), Amex PRG NPSP (9/10), Amex BCP $7.6k (10/12) -> $19.7k (3x CLI), Amazon Chase Visa $3.1k (10/12), Citi Forward Student $4k (11/12), Chase Southwest RR Premier $8k siggy (3/13 - 50k sign up bonus)

EX FICO 767 10/12
TU FAKO(? from Chase Amazon) 742/990 10/12
Senior Contributor
Posts: 6,260
Registered: ‎08-16-2012
0

Re: Citi Forward denied - why? worth a recon?

Congrats on the other prime accounts!!

Citi is a waste of time and energy a good 90% of the time. Even after getting approved for a Discover and Amex, I'd be more scared to get denied by Citi for something stupid....

Like too many inqs LOL

So, by all means...try to recon if you want to deal with a rude CSR or subpar CS....

Sounds like you got a couple of the best cards though anyway... Might mention to Citi if you call them back that Amex approved you...

Good luck!
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
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