Credit Cards Center Credit cards from our partners
Reply
Established Contributor
Posts: 761
Registered: ‎10-16-2007
0

Citibank really really hates me! Okay they kind of like me a little bit!

[ Edited ]

Not only did I receive one rejection letter they sent another a couple of weeks later to tell me that I am not qualified to carry there card! I dont know what gives with citi to be honest I apped with a 707 score. Wow what a hard nut to crack they are. 

NFCU Cash Rewards Siggy $22k, NFCU Flagship Rewards Siggy $22K, NFCU Platinum MC $20K, USAA Amex Rewards $6k, USAA World Mastercard Rewards $6k, NFCU Navcheck $15k

Other Cards - Citibank AAdvantage, Chase Slate, Barclays Rewards,


IN THE GARDEN UNTIL APRIL 2014

NFCU FAN CLUB MEMBER #1









Chase Star Card
NFCU FAN CLUB FAN#1
Regular Contributor
Posts: 220
Registered: ‎08-10-2012
0

Re: Citibank really really hates me!

wow, they do. They love me. Gave me 5 cards in 2012 with a 9 year old BK still showing. I did not burn Citi during the BK hoever and had a 750 when I got the cards

Citi Thank You Premier Visa Signature-$9K, Citi Thank You Preferred Vis Signature-$8.3K, Citi AA Signature- 8.5K, Citi Simplicity 9.2K, Citi Diamond-6.1K, Lowes-$10K, Chase Sapphire Preferred- $ 5K, AMEX BCE $14.5K, AMEX Starwood Preferred $15K, ,AMEX Everyday-$5K, Fidelity Amex-$10K, US Bank 123 rewards Kroger-$17K, Penfed Platinum Rewards Visa Signature-$30K, Amex Delta-$10K, Barclay Arrival Plus- $10K, Penfed Travel Rewards Amex-$10K, Bank of America Cash Rewards- $14K
Valued Contributor
Posts: 1,524
Registered: ‎08-17-2008
0

Re: Citibank really really hates me!


dodgeball wrote:

Not only did I receive one rejection letter they sent another a couple of weeks later to tell me that I am not qualified to carry there card! I dont know what gives with citi to be honest I apped with a 707 score. Wow what a hard nut to crack they are. 


Did you have a balance reporting on any card? They will deny people who doesnt report a balance. What did you letter state for denial?


Last Pulled EQ: 809
Last Credit Card App: 02/05/2016
Last CLI: 02/06/2016
Find Me: Gardening
Established Contributor
Posts: 761
Registered: ‎10-16-2007
0

Re: Citibank really really hates me!


chnceit wrote:

dodgeball wrote:

Not only did I receive one rejection letter they sent another a couple of weeks later to tell me that I am not qualified to carry there card! I dont know what gives with citi to be honest I apped with a 707 score. Wow what a hard nut to crack they are. 


Did you have a balance reporting on any card? They will deny people who doesnt report a balance. What did you letter state for denial?


Nope had a balance to many inquirys with a grand total of 3. I really want the AA card though, Im going to hit them up as soon as my score hits 730

NFCU Cash Rewards Siggy $22k, NFCU Flagship Rewards Siggy $22K, NFCU Platinum MC $20K, USAA Amex Rewards $6k, USAA World Mastercard Rewards $6k, NFCU Navcheck $15k

Other Cards - Citibank AAdvantage, Chase Slate, Barclays Rewards,


IN THE GARDEN UNTIL APRIL 2014

NFCU FAN CLUB MEMBER #1









Chase Star Card
NFCU FAN CLUB FAN#1
Valued Contributor
Posts: 1,524
Registered: ‎08-17-2008
0

Re: Citibank really really hates me!


dodgeball wrote:

chnceit wrote:

dodgeball wrote:

Not only did I receive one rejection letter they sent another a couple of weeks later to tell me that I am not qualified to carry there card! I dont know what gives with citi to be honest I apped with a 707 score. Wow what a hard nut to crack they are. 


Did you have a balance reporting on any card? They will deny people who doesnt report a balance. What did you letter state for denial?


Nope had a balance to many inquirys with a grand total of 3. I really want the AA card though, Im going to hit them up as soon as my score hits 730


Are you serious 3 WOW! Yeah CITI can be very strange. Did you recon? Young recon his Diamond Preferred and was approved after a long (over a month or so) wait. 


Last Pulled EQ: 809
Last Credit Card App: 02/05/2016
Last CLI: 02/06/2016
Find Me: Gardening
Established Contributor
Posts: 761
Registered: ‎10-16-2007
0

Re: Citibank really really hates me!

Its a battle between me and citi

NFCU Cash Rewards Siggy $22k, NFCU Flagship Rewards Siggy $22K, NFCU Platinum MC $20K, USAA Amex Rewards $6k, USAA World Mastercard Rewards $6k, NFCU Navcheck $15k

Other Cards - Citibank AAdvantage, Chase Slate, Barclays Rewards,


IN THE GARDEN UNTIL APRIL 2014

NFCU FAN CLUB MEMBER #1









Chase Star Card
NFCU FAN CLUB FAN#1
Established Contributor
Posts: 504
Registered: ‎08-28-2012
0

Re: Citibank really really hates me!

There must be something else they don't like.  I was approved for two Citi cards w/ $10,000 limits last week at a 702 EX FICO with seven inquiries in the last six months.

Valued Contributor
Posts: 2,039
Registered: ‎01-24-2012
0

Re: Citibank really really hates me!

Citi is indeed very strange. I had maybe three on Equifax and was denied for too many inquiries. I applied a while later and they looked at Experian which had about 15? and they approved two cards. Experian has a much higher score than Equifax for me, even though it has a lot more inquiries.

Established Contributor
Posts: 761
Registered: ‎10-16-2007
0

Re: Citibank really really hates me!

Makes my stomach turn to be honest 

NFCU Cash Rewards Siggy $22k, NFCU Flagship Rewards Siggy $22K, NFCU Platinum MC $20K, USAA Amex Rewards $6k, USAA World Mastercard Rewards $6k, NFCU Navcheck $15k

Other Cards - Citibank AAdvantage, Chase Slate, Barclays Rewards,


IN THE GARDEN UNTIL APRIL 2014

NFCU FAN CLUB MEMBER #1









Chase Star Card
NFCU FAN CLUB FAN#1
Established Contributor
Posts: 761
Registered: ‎10-16-2007
0

Re: Citibank really really hates me!

So I was mad and for no sense what so ever I decided to app again for the AA card, Instant approval for 2 grand ! Kind of wierd that it was such a low limit but I got my foot in the door. Now back to the garden, I guess this june going to ask them to match my USAA cards.

NFCU Cash Rewards Siggy $22k, NFCU Flagship Rewards Siggy $22K, NFCU Platinum MC $20K, USAA Amex Rewards $6k, USAA World Mastercard Rewards $6k, NFCU Navcheck $15k

Other Cards - Citibank AAdvantage, Chase Slate, Barclays Rewards,


IN THE GARDEN UNTIL APRIL 2014

NFCU FAN CLUB MEMBER #1









Chase Star Card
NFCU FAN CLUB FAN#1

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.