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New Member
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
Posts: 5,744
Registered: ‎01-28-2008
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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
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
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)
Regular Contributor
Posts: 124
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.

FICO Score 8 (4/6/15)
Equifax - 830
TransUnion - 825
Experian - 812
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