Reply
Valued Contributor
maiden_girl
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)






Valued Contributor
creditnocash
Posts: 2,255
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 701 10/14 Walmart Fico 689 9/14

Inquiries (24 Months): EQ 3 TU 0 EX 0 | Most Recent: 09/26/2014


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Epic Contributor
Creditaddict
Posts: 22,064
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: EQ- 626 Overstck., TU 696 Walmart, EX 695 Chase (11-05-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Target $200
66 Cards and Counting :smileytongue:
Senior Contributor
youngandcreditwrthy
Posts: 6,242
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| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | 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
maiden_girl
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
enharu
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
dodfire
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
maiden_girl
Posts: 2,110
Registered: ‎12-29-2011
0

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

Thank you all! Will keep you posted :smileyhappy:

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
myjourney
Posts: 26,659
Registered: ‎02-07-2013
0

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


maiden_girl wrote:

Thank you all! Will keep you posted :smileyhappy:


Good luck you know I have my fingers crossed for you 

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/13


Frequent Contributor
WallyxD
Posts: 273
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 Store CC: $850 | AEO Visa: $2,300 | CapOne Quicksilver: $1,700 | Citi Forward for Students $1,500 | Walmart CC $1,350 | Chase Amazon: $500 | PayPal Smart Connect: $500 | Discover iT for Students: $500 | Chase Freedom: $500

Gardening until util 30%
TU Fico: 652 (3/11/14)

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}