I've had a great run so I decided to try CITI. I included them in a BK in 1993 and they have never forgotten it, as they still have the account information at their fingertips. Well I applied for the CITI Simplicity card. Thinking I was going to get an instant denial, I went into a pending status and chatted with a representative who reviewed my application and declined application. I'm thankful that it wasn't an instant denial. This gives me hope for when I can put some distance between all these inquiries and new accounts I have. I can now rest assured that I made a run for everything that I wanted.
(Formerly known as: Credit is my hobby/TCL objective)
@ways2go wrote:That's what happened to me. My BK was from 89. I applied after I received numerous pre qualified offers and their website. I went through the entire application online. I went to the end of the app, I don't think mine went to the appending status, it went straight to a rep. They asked me for my full name, typed it, then they said I was denied with no reason. I received an email the next day with explanation that I was denied due to going BK with them.
Sorry to hear that. I wasn't given a reason. I assumed since it wasn't an immediate denial, it wasn't due to BK. However, hearing from you, it may very well be due o BK. My story went just like yours with the exception that I haven't received the email yet. Representative just told me via chat that I was declined. Have you tried a recon?
just found a number to citi backdoor. Got automated system which told me I was declined due to BK. 1993 BK CITI definitely blacklist. 21 years and counting!