So I have the cit Simplicity card & I tried for a CLI. All my other cards are 5k plus, Chase Freedom, CSP, & 2 Barclays card. My ciit is only $1,800 & I wanted to do a ballance transfer. I was declined CLI. message in my cit acc & it said they contacted Equifax and i had either a Garnish,Judgment,collection etc. I know i have none ofthese on any of my reports. I just pulled Equifax & my credit score is a 728 & no missed payments,collections etc. Nothing! So I called the regular citbank number on call to do ballance transfer and I asked her about this. So she runs it again & says it wont be a HP etc. Still not aproved. Should I call a back door number? Also on my report under inquiries I have only to HP and neither was from citi..
