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New Member
AAA_2011
Posts: 3
Registered: ‎02-13-2011
0

Citi Online App - Should I expect to be Declined?

[ Edited ]

UPDATE:  As suspected below I was declined for lack of revolving credit lines. I live in TX and they pulled Equifax. My EQ FICO was 765 the day I applied with only one inquiry in the previous two years. This one app and denial dropped my EQ FICO score to 747 per the Score Watch Service . That's 18 points!!! I don't get this system!

 

Hi,

 

I applied online for the Citi Platinum MC today and was told my app was pending further review and they needed add'l information. I was given a number to call toll free.      I did so and was given a different number to call within 24-48 hours to verify my approval status or that I could wait to hear back in the mail within a week.

 

Should I expect to be declined? I currently have no CC's. I have an EQ Fico of 765 and a TU Fico of 724 ant the EX= unknown. My utilization should be fairly low.

 

Thanks

Super Contributor
DI
Posts: 5,767
Registered: ‎01-28-2008
0

Re: Citi Online App - Should I expect to be Declined?

 


AAA_2011 wrote:

Hi,

 

I applied online for the Citi Platinum MC today and was told my app was pending further review and they needed add'l information. I was given a number to call toll free.      I did so and was given a different number to call within 24-48 hours to verify my approval status or that I could wait to hear back in the mail within a week.

 

Should I expect to be declined? I currently have no CC's. I have an EQ Fico of 765 and a TU Fico of 724 ant the EX= unknown. My utilization should be fairly low.

 

Thanks


What types of credit you have since you have no credit cards?  What utilization  from what are you referencing? 

New Member
AAA_2011
Posts: 3
Registered: ‎02-13-2011
0

Re: Citi Online App - Should I expect to be Declined?

Two active bank loans with impeccable payment history and low balances.

Several older bank loans still reporting including a Line of Credit etc, as well as a gas card I closed some time ago all 100% positive.

Frequent Contributor
tsquad131
Posts: 474
Registered: ‎09-12-2010
0

Re: Citi Online App - Should I expect to be Declined?

you might be declined for not having any active revolving accounts aka credit cards

FICO scores - 727 TU(Walmart)/ 727 EX(Amex app)/ 721 EQ(Discover app)
In My Wallet: BankAmericard Cash Rewards($2,000), Discover More($3,000), Chase Freedom($2,000), Fidelity Amex($1,000), Sam's Club Discover($4,400), SallieMae 5% Mastercard($5,000), Amex BCE($2,000) ,Citi Simplicity($2,000), Paypal SmartConnect($3,100), Walmart Store Card($2,350), Chase Amazon Visa($700), Target RedCard($500), Capital One Cash Rewards($750), Best Buy Store Card($1,900), HHGregg($2,000), Amazon Store Card($1,250),Newegg Preferred Account($2,000), Park West($2,000), BankAmericard Travel Rewards($5,000)
Contributor
Corvidae
Posts: 101
Registered: ‎03-19-2011
0

Re: Citi Online App - Should I expect to be Declined?

I applied at got the same message.  Was approved 3 days later.  It seems they manually reviewa lot of apps these days.  Lots of people here seem to be getting the same message when applying.

804 Transunion
804 Equifax
775 Experien (lender pulled, auto enhanced)

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