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Valued Contributor
Posts: 2,110
Registered: ‎12-29-2011
0

Re: Denied Citi Forward: I don't get it

Thank you...but unfortunately I already have a Chase and Discover card currently in 0% period. With this new insight...I'm hoping CITI just flat deny it b/c I did call again for a recon and the agent said they put a note on my application to be reviewed again. I just figured I could PC this card later on to the Dividend maybe.

 

I did try the prequal link. Its horrible. It says there are no current offers but then suggests I apply to "this" card which will surely be denied.

The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)






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Valued Contributor
Posts: 2,299
Registered: ‎07-23-2012
0

Re: Denied Citi Forward: I don't get it

sucks too hear maiden. 

 

ive been getting crazy letters from them, but cant take the inq.... 

if they did a 18month no fee transfer id be all over it. 

 

 

let us know how the recon goes. 

ive heard crazy stories of people denied because of no balances on any cards. 

Current: Discover Fico 709 3/15 Walmart Fico 743 4/15

Inquiries (24 Months): EQ 6 TU 1 EX 6 | Most Recent: 4/09/2015
Over 12 Months:9


2015 Goals:
Lower Utility
Earn Cash Back

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$7,400
Citi DC $10,000
Citizens Mastercard$7,000
Epic Contributor
Posts: 25,863
Registered: ‎10-23-2007
0

Re: Denied Citi Forward: I don't get it


maiden_girl wrote:

Thank you...but unfortunately I already have a Chase and Discover card currently in 0% period. With this new insight...I'm hoping CITI just flat deny it b/c I did call again for a recon and the agent said they put a note on my application to be reviewed again. I just figured I could PC this card later on to the Dividend maybe.

 

I did try the prequal link. Its horrible. It says there are no current offers but then suggests I apply to "this" card which will surely be denied.


How old are your 2 Chase Cards?

Have you tried the pre-qual link and get a no on them too?

Fico Scores 8: EX 694. TU 689. EQ 658. 05/26/2015
Senior Contributor
Posts: 6,279
Registered: ‎08-16-2012
0

Re: Denied Citi Forward: I don't get it

Maidengirl, I hope you realize that by "reviewing" your app again, they are prob going to hp you AGAIN. I got hp'ed 4-5 times when reconning with Citi, and it took two months.
My advice: ask them for recon a few times w the same report. If denied after 3-4 times, go to the EO. I got denied for opening two new accounts in six months- a completely rediculous reason, and it was the only reason, even with my FICOs over 700. Ultimately though, I got approved for a $5k Citi Diamond Preferred!
Good luck, but prepare for battle! Lol
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Valued Contributor
Posts: 2,110
Registered: ‎12-29-2011
0

Re: Denied Citi Forward: I don't get it

[ Edited ]

youngandcreditwrthy wrote:
Maidengirl, I hope you realize that by "reviewing" your app again, they are prob going to hp you AGAIN. I got hp'ed 4-5 times when reconning with Citi, and it took two months.
My advice: ask them for recon a few times w the same report. If denied after 3-4 times, go to the EO. I got denied for opening two new accounts in six months- a completely rediculous reason, and it was the only reason, even with my FICOs over 700. Ultimately though, I got approved for a $5k Citi Diamond Preferred!
Good luck, but prepare for battle! Lol

They better not HP me again only to get the same report and I'm stuck with two inquires from the same bank. When I called again, the agent said she could see my inquires were from my recent auto loan and told me to be on the look out for an email. Don't know how true this is but that's what the Citi agent told me. Lol. We shall see!!

The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)






Super Contributor
Posts: 7,132
Registered: ‎02-27-2013
0

Re: Denied Citi Forward: I don't get it

Citi is very likely to pull at least once more during a recon process.
JPMorgan Palladium (100k), AmEx Platinum (NPSL), AmEx SPG (46k), AmEx BCP (42k), Chase Sapphire Preferred (47k), Citi Prestige (31k), Citi Thank You Preferred (27k), Citi Executive AAdvantage (25k), JPMorgan Ritz-Carlton (21k), Merrill+ (15k), US Bank Cash+ (22.5k), Wells Fargo (12k), Bloomingdale’s (12.4k), Chase Freedom (5k), Discover IT (5k).
Valued Contributor
Posts: 1,453
Registered: ‎04-14-2012
0

Re: Denied Citi Forward: I don't get it

Fingers crossed for you!!!

*8/10/13
Valued Contributor
Posts: 2,110
Registered: ‎12-29-2011
0

Re: Denied Citi Forward: I don't get it

Thank you all! Will keep you posted Smiley Happy

The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)






Community Leader
Senior Contributor
Posts: 27,621
Registered: ‎02-07-2013
0

Re: Denied Citi Forward: I don't get it


maiden_girl wrote:

Thank you all! Will keep you posted Smiley Happy


Good luck you know I have my fingers crossed for you 

+ Chase ink =




Frequent Contributor
Posts: 282
Registered: ‎10-02-2012
0

Re: Denied Citi Forward: I don't get it

I had about 15 inqs on TU and about 8 on EX when I applied for the Citi Forward. I'm sure you'll get approved. Good luck.
AE CC: $850 | AEO Visa: $1,890 | Cap1 QS: $1,950 | Chase Freedom: $1,000 | Citi Forward: $1,500 | Citi Double Cash: $1,000 | Discover iT: $500 | GameStop: $1,050 | Overstock: $1,100 | PayPal Smart Connect: $1,000 | Walmart $1,900

TU (Discover): 648 | EQ (Citi): 657
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