Denied Citi Forward: I don't get it

[maiden_girl]

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.

[creditnocash]

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. 

[Creditaddict]

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@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.

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How old are your 2 Chase Cards?

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

[youngandcreditwrthy]

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

[maiden_girl]

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@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

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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!!

[enharu]

Citi is very likely to pull at least once more during a recon process.

[dodfire]

Fingers crossed for you!!!

[maiden_girl]

Thank you all! Will keep you posted

[myjourney]

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@maiden_girl wrote:

Thank you all! Will keep you posted

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Good luck you know I have my fingers crossed for you 

[WallyxD]

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.