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Senior Contributor
Posts: 3,626
Registered: ‎10-13-2009
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Re: Shaking my head at Citibank- updated!


haulingthescoreup wrote:

Good job with the letter, and a reminder that you catch more flies with honey than vinegar. Smiley Wink


Killjoy!  Smiley Wink

IAALBNYL
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Posts: 28,098
Registered: ‎04-01-2007
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Re: Shaking my head at Citibank- updated!

 


O6 wrote:

haulingthescoreup wrote:

Good job with the letter, and a reminder that you catch more flies with honey than vinegar. Smiley Wink


Killjoy!  Smiley Wink


Hey, first we lay on the honey, and when that doesn't work, we call in you guys. Smiley Very Happy

 

* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Senior Contributor
Posts: 3,626
Registered: ‎10-13-2009
0

Re: Shaking my head at Citibank- updated!


haulingthescoreup wrote:

 


O6 wrote:

haulingthescoreup wrote:

Good job with the letter, and a reminder that you catch more flies with honey than vinegar. Smiley Wink


Killjoy!  Smiley Wink


Hey, first we lay on the honey, and when that doesn't work, we call in you guys. Smiley Very Happy

 


See, Roosevelt had it backwards ...

 

It's not speak softly and carry a BFS.  It's carry a BFS and speak softly as you whack them with it.  Smiley Happy

 

 

IAALBNYL
Moderator Emerita
Posts: 28,098
Registered: ‎04-01-2007
0

Re: Shaking my head at Citibank- updated!

* makes mental note of available heavy artillery *

* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Regular Contributor
Posts: 225
Registered: ‎08-21-2010
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Re: Shaking my head at Citibank

 


redhed1026 wrote:

I recently applied for a Citibank Platinum Select card. I received an email stating I was declined due to "Your previous or existing account with us has a
history of late payments." The email stated they received the information from Experian.

 

Well, this raised a serious concern for me, as I have two cards issued by Citi- a gas card and Home Depot card. I pulled a copy of my Experian report and it confirmed that that I had no lates, etc (no balances as well).

 

I called this morning and the rep was reading her script to me. I told her that none of my accounts were past due and that I wanted to speak with a supervisor. The supervisor stated that I was declined due to an account from 1995 that was charged off. YES, 1995! Apparently, when I was young and dumb, one of the credit cards I had was an AT&T mastercard that went to collections. I did pay it off after working with CCCS. I told her that I didn't recall the account and thought that it was ridiculous that a 15 year old account was being held against me.

 

She stated that their decision was based on an internal database, not my credit report. If they went on my CR alone, I would have been approved.

 

So, should I write a letter, asking them to recon? I think their decision is ludicrous, especially in light of the fact that I have two current accounts, issued by them with perfect payment history for many years.


If i were you i'd just get rid of them , just for the sake of it, im in an era that customer service is EVERYTHING for me, period.

 


Starting Score: TU 715 EQ 704
Current Score: TU 715 EQ 704
Goal Score: 760-780


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Valued Member
Posts: 46
Registered: ‎04-23-2010
0

Re: Shaking my head at Citibank

I doubt I will ever get a card through Citi ever again.  I had a card back in '98 I dont think it went into charge off status but they did close the account after I was late 90 days or so. 


Starting Score: TU-636 EQ-641
Current Score: TU-648 EQ-693
Goal Score: 720


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