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Citi app...denied....

Established Contributor

Citi app...denied....

I wa just wondering if its worth a recon or if i shoud just let it go.......score was 694......denied because of BK from 2005 and major cl's too high on one card.....BT  from Barclays......about 50%

 

should i bother?


Message 1 of 6
5 REPLIES
Valued Contributor

Re: Citi app...denied....

Well you took the "hit", so you might as well give them a call.. They are not that good with re-cons.

 

I would call... Good luck!

Ray

** Every Card has a Job, and Every Card does its Job **
Message 2 of 6
Frequent Contributor

Re: Citi app...denied....

Between the BK and the high util., I don't think you really have a chance...but if you really want the card, it can't hurt (as long as you make sure they don't pull your credit again).

Message 3 of 6
Valued Contributor

Re: Citi app...denied....

It's hard to justify hard util, I tried with chase in february to no avail. But you did take the HP already, I would recon and see if you get a break.

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15
Message 4 of 6
Established Contributor

Re: Citi app...denied....

If you really want a Citi product, just get a secured card.  I did that when they turned me down for a reg card.  I gave them 2k and in 18 months will unseucre then can do a PC to the card I want.

If you go that route make sure you put down enough of a deposit to get the card you want to PC charge to.

 

 

Message 5 of 6
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Established Contributor

Re: Citi app...denied....


Andy77 wrote:

If you really want a Citi product, just get a secured card.  I did that when they turned me down for a reg card.  I gave them 2k and in 18 months will unseucre then can do a PC to the card I want.

If you go that route make sure you put down enough of a deposit to get the card you want to PC charge to.

 

 thanks Andy...

 

i  not want citi that badly.....i can wait in garden mode till then.......in 2 years ill be able to apply and hopefully get it if i keep clean...

 


Message 6 of 6