They cashed my check. Last time I applied for this I was still in my BK and they declined me for that. I'm hoping this time I can get my foot back in the door with them... but either way done applying. also decided to just sit tight on my car refi and let some of these inq fall off and my scores up more.
Couldn't wait anymore, called the application line which said it needed further processing and transferred me to what sounded like a call center outside the US... He placed me on hold for over 10 minutes and then... Transferred me again... then was informed it takes 2-3 weeks to process, check back late next week. sigh
This is the first card I got and it did take quite a while for them to process the application but they did cash the check really quick. If you are good to this card i am told it will eventually unsecure however it doesn't just judge what your history is with them they judge you on your credit reports and they hard pull them again 18 months after you get the card and then once a year like clock work until they unsecure it. They do it without asking so I would keep that in mind in the future when you are watching inquiries when you go to app for something
I want citi because yes in 18 months I could probably have good enough credit for other cards, but are they going to be with the banks I want that are going to give CLI like Citi is known for.
I'm currently only building 2 cards, BestBuy MC which I would consider subprime and a Toyota Visa which I would consider prime but they put a block on my account for CLI for the first 12 months so rather be running all my money through a citi card or say a capital one card
Declined. That was the last thing that I applied for... just going to garden my BBMC and Toyota card now... no more apps until I get TU over 645 to refi my car!