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Citibank hates me....

Valued Contributor

Citibank hates me....

Smiley Sad

After having Citi Diamond preferred for over 6 months with one of my smallest CL and highest interest rates, they turned me down today for a CLI.  I don't know why Citi hates me so much. Discover, FNBO, and Chase Hyatt all gave me CLI's.  I tried a back door number and got nowhere. I will try calling what ever number comes on my letter. 


Starting Score: 693 TU FICO, 679 EQ FICO
Current Score: FICO 8 = 844(9/15) EQ, 827 TU, 811 EX (7/15); mortgage FICO= 758 (9/15)EQ5, 797 TU4, 748 EX2 (7/15)
Goal Score: 750+, but shooting for the 800's
Hyatt Visa Sig ($23K), Amex BCP (24.8K), BofA Travel Rew Sig (22.5K), B&N World MC (22.3K), Amex RP Gold (NPSL w/ S&T), Cash+ Sig (20K),United Mil+ExpSig (16.3K), FNBO Visa (13.1K), Hilton Surpass (10K), Freedom Visa Sig (8.6K), Disc It (16.4K), Citi Dia Pref MC (3.7K),Sam's MC (10K), Wally (7.5K), JCP(5.3K), Costco (2K)
Message 1 of 6
5 REPLIES
Established Contributor

Re: Citibank hates me....

Sorry you didnt get your cli but good luck when you call the # listed on the letter

Message 2 of 6
Regular Contributor

Re: Citibank hates me....

I"m sorry. You have great scores--so I am puzzled about what really want from theircustomers. If I were you, I'd try calling and seeing if you can get anywhere that way.

   

All 3 bureaus (per Amex CreditSecure FAKO) are still 748 (as of 12/19/13). Cards: Discover It, $12,100, Chase Freedom $3,300, Chase Amazon $1,500, Walmart store $11,000, AMEX Zync NPSL, Costco Amex $14,700. US. Bank Cash +, $5,000. AMEX SPG $6,000, PenFed Plat. Cash Rewards $17,500, PenFed P-LOC $10,000, Citi Forward $5,100, Chase Slate $5,000, Old Navy, $2,200.
Message 3 of 6
Contributor

Re: Citibank hates me....


crunching_numbers wrote:

Smiley Sad

After having Citi Diamond preferred for over 6 months with one of my smallest CL and highest interest rates, they turned me down today for a CLI.  I don't know why Citi hates me so much. Discover, FNBO, and Chase Hyatt all gave me CLI's.  I tried a back door number and got nowhere. I will try calling what ever number comes on my letter. 


You know I have 2 cards from Chase and I have had to fight tooth and nail to get CLI's on both accounts,  All have required hard pulls.  The accounts were migrated accounts from WaMu and of course I didn't have a choice in what happened it just happened.  I see people with lower scores getting auto CLI from Chase but not me.  They don't seem to care to keep me as a customer or not in my case my guess is because 15 years ago I filed Banko on 3 of their cards and they have not forgiven me yet lol Smiley Wink  but who understands what drives banks.  Sorry to hear of your miss fortune on CLI's for Citi just know your not alone in this battle.

AMEX Platinum, AMEX Blue cash (10k), AMEX Delta (10k), US Bank Premier Line (14.5k), US Bank Cash + (7.5k), Chase Freedom (5k), Fred Meyer Rewards Visa (7.5k), US Bank Flex Perks Travel Rewards (5k), Discover IT (9.5k), Chase Sapphire Preferred (8k), Alerus Financial Visa Signature issued by Elan (10k), BofA Cash Rewards (10k), Citi Thankyou Pref (6.5k) TU FICO Score = 807, EQ FICO Score = 780, EX FICO Score = 780,
CreditKarma score = 785, CreditSesame score = 773, Vantage = 903
Message 4 of 6
Mega Contributor

Re: Citibank hates me....

What did they say were your denial reasons?



EQ FICO 548 3/3/16
Message 5 of 6
Highlighted
Valued Contributor

Re: Citibank hates me....


LS2982 wrote:
What did they say were your denial reasons?

Hi LS! Get this- on the phone the lady told me it was showing "ability to pay". They asked for income and mortgage payment amount. My income is high, 95k. I have quite a bit of debt, but I clearly have the ability to pay more than a $3000 credit line. I am a good customer And the demographic most of these accounts are looking for.


Starting Score: 693 TU FICO, 679 EQ FICO
Current Score: FICO 8 = 844(9/15) EQ, 827 TU, 811 EX (7/15); mortgage FICO= 758 (9/15)EQ5, 797 TU4, 748 EX2 (7/15)
Goal Score: 750+, but shooting for the 800's
Hyatt Visa Sig ($23K), Amex BCP (24.8K), BofA Travel Rew Sig (22.5K), B&N World MC (22.3K), Amex RP Gold (NPSL w/ S&T), Cash+ Sig (20K),United Mil+ExpSig (16.3K), FNBO Visa (13.1K), Hilton Surpass (10K), Freedom Visa Sig (8.6K), Disc It (16.4K), Citi Dia Pref MC (3.7K),Sam's MC (10K), Wally (7.5K), JCP(5.3K), Costco (2K)
Message 6 of 6