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Citi Online App - Should I expect to be Declined?

New Member

Citi Online App - Should I expect to be Declined?

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

4 REPLIES
Super Contributor

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

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

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

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

amazon
Frequent Contributor

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.