Reply
Valued Member
Posts: 44
Registered: ‎03-31-2013
0

False approval?

I applied for a Citi TY Preferred a couple of days ago and was instantly denied due to "submitting multiple applications for credit." I'm assuming that means too many inqs since I only have one Citi card right now.

Today I got an email saying "Congrats, you are approved." I thought it was a mistake so I called the application status number and put in the reference number from my denial email and the automated system said I was denied due to multiple submissions for credit.

I'm confused. Did Citi mistakingly send the approval email? Has anyone ever been denied instantly then approved without calling for a recon? I'm afraid to talk to a live person to find out the answer. Sorry if this is a stupid question.

Starting Score: EQ 556
Current Score: EX 610 TU 619 EQ 631
Goal Score: 700


Take the myFICO Fitness Challenge







Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
0

Re: False approval?


cheychey99 wrote:
I applied for a Citi TY Preferred a couple of days ago and was instantly denied due to "submitting multiple applications for credit." I'm assuming that means too many inqs since I only have one Citi card right now.

Today I got an email saying "Congrats, you are approved." I thought it was a mistake so I called the application status number and put in the reference number from my denial email and the automated system said I was denied due to multiple submissions for credit.

I'm confused. Did Citi mistakingly send the approval email? Has anyone ever been denied instantly then approved without calling for a recon? I'm afraid to talk to a live person to find out the answer. Sorry if this is a stupid question.

You should call in directly to Citi and talk to a CSR.

 

Good luck to you!!!




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Valued Member
Posts: 44
Registered: ‎03-31-2013
0

Re: False approval?

I know. Once I get the courage too I will. I just don't want to get my hopes up and be told "oops our mistake, sorry." Thank you for your response.

Starting Score: EQ 556
Current Score: EX 610 TU 619 EQ 631
Goal Score: 700


Take the myFICO Fitness Challenge







Valued Contributor
Posts: 1,673
Registered: ‎11-11-2012
0

Re: False approval?

I applied for a Citi TY Preferred a couple of days ago and was instantly denied due to "submitting multiple applications for credit." I'm assuming that means too many inqs since I only have one Citi card right now.

 


I suspect it doesn't mean that, and that somehow (maybe a double press on submit or something) you accidently applied twice for the card.  Citi  would automatically deny a duplicate.  So it's certainly possible that you really did get an approval for the card!

 

But best to talk to Citi! 

Valued Member
Posts: 44
Registered: ‎03-31-2013
0

Re: False approval?

You know what bs6054, after the first click it said something about system error or difficulties so I resubmitted the app and then it gave me the denial message about multiple submissions. I completely forgot about clicking twice but I figured the first submission didn't go through. I guess I'll find out in the next 4-7 business days. Thank you.

Starting Score: EQ 556
Current Score: EX 610 TU 619 EQ 631
Goal Score: 700


Take the myFICO Fitness Challenge







Frequent Contributor
Posts: 272
Registered: ‎12-28-2011
0

Re: False approval?

I had a similar experience with Discover last year - also pressed Submit twice accidentaly (and not even noticing this), got "7-10 message" and then approval email. I called in and that's basically how I discovered all this - they said there have been 2 similar apps from me one after another and the system flagged both, so they had to manually push the first one through.

In my wallet now: Amex PRG NPSL, Amex BCE $15k $17k (thanks to recent CLI), Chase Freedom 11k, CSP $6k, Chase United ME $5k, Citi Dividend $5.6k, Discover It $4.5k and a handful of other cards...
TU Dec 2013 - 752Sep 2013 - 764 - new all time maximum

Obsolete data &colon:smileywink: Current TU - probably around ~750. I am now applying only for cards I can have fat sign-up bonuses on, repay them right away and close before next year. That's why BKLSBNKDELAWARE probably blacklisted me long ago, LOL...
Valued Member
Posts: 44
Registered: ‎03-31-2013
0

Re: False approval?

It's weird because when I first clicked submit and it gave me the error message and I clicked back to the app page all the info I put in was gone so I assumed that the system never received the app so I filled it out again and clicked submit again. I guess the first one did go through.

Starting Score: EQ 556
Current Score: EX 610 TU 619 EQ 631
Goal Score: 700


Take the myFICO Fitness Challenge







Contributor
Posts: 252
Registered: ‎01-21-2013
0

Re: False approval?


cheychey99 wrote:
It's weird because when I first clicked submit and it gave me the error message and I clicked back to the app page all the info I put in was gone so I assumed that the system never received the app so I filled it out again and clicked submit again. I guess the first one did go through.

just call...you aint gonna get nowhere being on here being confused.

im sure you got approved with the first submission and declined the 2nd time to prevent mulltiple apps....makes sense.

call and fine and get this stress off your shoulders,the worst they can say is NO.

good luck :smileyhappy:

Valued Member
Posts: 44
Registered: ‎03-31-2013
0

Re: False approval?

I will call tomorrow :smileyhappy:

Starting Score: EQ 556
Current Score: EX 610 TU 619 EQ 631
Goal Score: 700


Take the myFICO Fitness Challenge







Community Leader
Senior Contributor
Posts: 27,327
Registered: ‎02-07-2013
0

Re: False approval?

Good luck

+ Chase ink =




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 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.

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.