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Senior Contributor
O6
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. :smileywink:


Killjoy!  :smileywink:

IAALBNYL
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haulingthescoreup
Posts: 28,115
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. :smileywink:


Killjoy!  :smileywink:


Hey, first we lay on the honey, and when that doesn't work, we call in you guys. :smileyvery-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
O6
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. :smileywink:


Killjoy!  :smileywink:


Hey, first we lay on the honey, and when that doesn't work, we call in you guys. :smileyvery-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.  :smileyhappy:

 

 

IAALBNYL
Moderator Emerita
Community Leader
Epic Contributor
haulingthescoreup
Posts: 28,115
Registered: ‎04-01-2007
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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
danisgods
Posts: 219
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
Dhager
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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