Hi All, A couple weeks ago had applied for the Executive Citi World Elite MC. I was denied for too many inquiries. As I have plenty credit and had several other cards recently approved, i wasn't too sorry for the denial. I called the backdoor and of course they denied. Well, I am planning on some international travel on AA and after second thought was sorry I didn't pursue it. After reading this forum it seems that Citi is one of those that rarely approves with recon. BUT, I also learned from this forum that the backdoor number is really no good unless you ask for a supervisor. The csr do not have the ability to deviate from the script. So here we are two weeks after I got the denial and called backdoor with no success. I called this am again and asked right off the bat for a supervisor. Well after talking wih the supervisor and explaining the inquiries, she put me on hold for 2 min and came back saying "congratulations, I have approved you for the executive world elite card with a 22K CL" she even asked me if that was enough!! I am so excited to get the card and bonus miles, along with a good CL and I owe it all to you guys. Would have never thought to pursue a denial like that!! Thank you myFICO members.
Discover IT $35K | FNBO Visa $30K | Cash+ Visa Sig $19.5K | Southwest Premier $16K | Priceline $15K | Citi Forward $14.3K | US Bank Plat $14K | Commerce Bank $13K | CSP $13K | CSR $10K | Sallie Mae World MC $10K | Lowe’s Consumer 10K | BoA Cash Rewards 1-2-3 Sig $7.5K | Fidelity Visa $7K | Citi Double Cash $6.5K | WF Cash Back Visa $5.4K | Capital One Cash Rewards $5K | AMEX BCE $3.9K | Freedom $2.5K | Younkers/Comenity $2.4K | Kohl’s 1.5K | Target $1.4K | EX FICO (from AMEX): 768, TU FICO (from Discover): 797, AAoA: 4.4 years
For those wondering. My scores are all in the 710-735 range. Citi pulled EX 2 weeks ago. Was 734. 22K is by far not my largest CL. My AAoA is 23 yrs. No negatives in last 7 yrs. A few 30 days before that during my divorce