Credit Card Center Advertiser Disclosure†
05-14-2013 11:31 AM
05-14-2013 11:35 AM
05-14-2013 11:37 AM
Citi Forward. I've applied twice and the last time recon'd with the EO. Even asked them to just move some of my current CL from my TY Premier. It just isn't gonna happen.
05-14-2013 11:42 AM
For me :
Discover- Applied and denied in 2010 and 2011. Didn't bother trying in 2012 because all of my new accounts. I plan on applying this year as I have been in the garden 174 days.
Citi Bank- they have denied me 3 times, the last being last year.
05-14-2013 12:30 PM
First Premier Bank. I keep asking them to remove the monthly and annual fees, reduce my apr to under 10%, add 2% cash back with 5% rotating categories quarterly and they keep denying me!
I shall not give up!
05-14-2013 12:47 PM
Anything from CITI.
I have never had a card from them or any accounts. Denied 3 times for 3 different cards in a lapse of 1 year.
Reasons. Serious deliquency 5 years ago. That's what I get from them when I call for recon. Meanwhile I get great CLI's from other CC companies.
05-14-2013 12:51 PM
That was my problem with Citi as well. Approvals with high CLs at Amex and Chase, but no go from Citi for one of their 'intro' cards. I think the only reason I got approved for the Citi TY was I got a pre-approval in the mail. I plan on PCing from my TY Premier to the TY Preferred after the first year to avoid the fee and I wonder if they will ask why. Without comboing it with the Forward, I don't think the TY point network is worth it. Maybe that will change with the rumored changes to the reward program this summer. They'll have to do something to compete with Chase's UR platform.
05-14-2013 01:03 PM
Citi's cards have proven to be ridiculously difficult to attain. I honestly think their student cards are more difficult to get than some Amex cards.
The worst part is that I can only think of one or two cards in their entire lineup that even warrants such selectivity.
05-14-2013 01:28 PM
last year it was citi for me. This year got in with instant approval.
This year it looks like it's going to be barclays-I mean okay theyre going to say too many new accounts. But if theyre using 14-15 month old cards as part of that count, then dang, theyre really tryna steer me away lol, recon analysts not looking to help for now either.
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.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
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.