Reply
New Contributor
Posts: 70
Registered: ‎02-13-2009
0

Citi PremierPass - Need 3 accounts over 1 year...

I called about a recon on my recently denied Citi PP Amex.  I tried several backdoor numbers but always ended up with a frontline CSR reading from a script.  My only reason for denial was insufficient credit history.  The CSR told me I must have 3 accounts over 1 year old to qualify, I do not.

 

I tried all avenues around this, but she wouldn't budge.  I also asked if I qualify for any other cards since history was my only preventing issue, but she was unable to help.

 

 

Overall, not very happy with Citi.  Anyone have any recon suggestions or magical numbers? 

 

 

_________________


2/21 - TU 637 EQ 643
3/21 - TU 691 EQ 711

Regular Contributor
Posts: 128
Registered: ‎02-13-2009
0

Re: Citi PremierPass - Need 3 accounts over 1 year...

Have you tried going for regular (not Amex) Citi Primier Pass? Amex is cutting down on risk and you must be getting flagged as higher risk. Have you looked at Citi Forward?
New Contributor
Posts: 70
Registered: ‎02-13-2009
0

Re: Citi PremierPass - Need 3 accounts over 1 year...

I wasn't sure if the 3 year requirement was for the MC PremierPass as well.  I've been debating applying for the Foward, but don't want to waste another INQ unless I'm a solid approval. 

 

This past week I was approved for a Chase ($3,500) and received a CLI on my FIA Issued card for a total of $1,500.  This brought my totals to $5,500 and UTL to 9%. 

 

 

I'm happy with my total credit right now, but more never hurts!  Just not sure if it's worth it for my AAoA and INQs to apply for another Citi. 

_________________


2/21 - TU 637 EQ 643
3/21 - TU 691 EQ 711

Moderator Emerita
Community Leader
Epic Contributor
Posts: 28,098
Registered: ‎04-01-2007
0

Re: Citi PremierPass - Need 3 accounts over 1 year...

The Citi AmEx (or USAA AmEx, or BofA AmEx, etc etc) has nothing to do with American Express's decision-making process. It's only an AmEx card because it's processed through that card network, and it has the consumer protection features.

Otherwise, completely independent of American Excitement Centurion Bank.

But it might be a tougher card to get within the Citi offerings.
* 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
Regular Contributor
Posts: 128
Registered: ‎02-13-2009
0

Re: Citi PremierPass - Need 3 accounts over 1 year...

I have Citi PP (MC) and use it all the time to get points, but I actually like Citi Dividend Platinum Select more... Not sure how easy it's to get either right now, but I like Citi despite all the issues they have had.

 

Also, try Discover, I think they are tryng to court customers aggressively now. 

New Contributor
Posts: 70
Registered: ‎02-13-2009
0

Re: Citi PremierPass - Need 3 accounts over 1 year...

I have a Discover right now, but with only a $500 limit.  I hit the 6 month mark in May and will try for a CLI.  

 

 I'd like to transfer the balance from my FIA and Discover (~$500 for both) onto the Chase.  That should help my scores with only 1 account reporting a balance.  Only downside is I'm aware payments go to the lower APR first, which is the 0% on BT and then to my purchases. With the 6% cash back on gas for the first three months, I plan on using my Chase only for that but don't want to get stuck with some high finance charges.

 

I'll be using my Amex Gold for all my other purchases during the next three months to get my bonus points for spending $500. 

 

 

_________________


2/21 - TU 637 EQ 643
3/21 - TU 691 EQ 711

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.