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Established Member
Posts: 21
Registered: ‎12-11-2008
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Citi Hilton HHonors Signature - Rejected?!




My wife applied last week for a Hilton HHonors Signature Visa, and was surprised to learn via email today that she was declined. Her FICO scores are in the low-mid 700s, and she's had consistent credit reporting since she was 18 (she's 24 now). She has a variety of different accounts, and no credit card balances - but she uses her cards regularly.


In their rejection e-mail, Citi claimed that "The consumer reporting agency serving your area has reported only a limited credit history for you." However, I was under the impression that 5-6 years of credit reporting would be more than adequate to receive a card like this. My wife has never been rejected for an account before, and so she's a little disappointed.


Is this typical for Citi? Should we contact them and make an issue out of this? Or am I wrong; was this a legitimate decline? 


Posts: 78
Registered: ‎08-23-2008
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Re: Citi Hilton HHonors Signature - Rejected?!

I'd certainly call the backdoor number and ask for a recon.  (There is a thread listing backdoor numbers.)
4/13/08 FICOs: TU 646 / EQ 583 / EX 623
2/06/09 FICOs: TU 708 / EQ 689 / EX 705
12/12/09 FICOs: TU 773 / EQ 737 / EX 761
Valued Member
Posts: 46
Registered: ‎10-04-2007
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Re: Citi Hilton HHonors Signature - Rejected?!

I would recon this one.... I was approved with 663 eq and 1 --3yr old collection...I applied for the CITI HH Platinum b/c if you didn't get the platinum you would be considered for the Gold...I ended up with the Gold CITI Hilton Honors with AAoA is 3 years....this was in November 08

Established Member
Posts: 62
Registered: ‎01-13-2009
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Re: Citi Hilton HHonors Signature - Rejected?!

i only have ~1.5 yrs history + few old au and 787 fico and cant get a citi card for life of me due to insuficient credit history
Moderator Emerita
Posts: 28,095
Registered: ‎04-01-2007
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Re: Citi Hilton HHonors Signature - Rejected?!

Citi is definitely one of the more conservative credit card banks.

Too bad they weren't so conservative in some of their other financial endeavors...
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Established Member
Posts: 39
Registered: ‎12-24-2007
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Re: Citi Hilton HHonors Signature - Rejected?!

I never noticed the income part.




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