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Valued Contributor
Swapmeet
Posts: 1,267
Registered: ‎11-10-2012

Re: Think twice before you apply for Citi credit card.

lol, the problem is quite obviously the fact that Citi hates seeing first premier cards on someone's cr. Citi sees first premier and auto denies... it has been well documented here. Close the FP account and reapply. I'm just messing around.....but think about it :smileywink:.

My Wallet: WalMart: ||10k|| USAA Platinum MC: ||13k|| Amex Delta Gold: ||2k||; BCE: ||9k|| Chase Freedom Siggy: ||10k||
Discover it: ||6.5k|| SG Visa: ||7k|| USAA World MC: ||13k|| US Bank Cash+ Siggy: ||5k|| Citi TYP World MC: ||10.5k||
Barlays Arrival World MC: ||10k||
Fico Scores: EQ 700 (SW),TU 745 (Walmart), EX 738 (myfico) Last app: Arrival World MC 2-1-14
Established Contributor
SwiftTone
Posts: 1,011
Registered: ‎02-27-2012

Re: Think twice before you apply for Citi credit card.

So what was the reason of denial?

 

I feel like you are leaving some pieces of information out.

 

Just  because they have denied you 10 times, it doesn't mean they have poor underwriting. 

BCE: $1537/$11,200, CSP: $2364/$6500, Chase Priority Club: $0/$3500, Freedom: $2893/$5000, Barclays NFL: $0/$7000 Discover: $1573/$10,000, Citi Dividend: $0/$2000

EQ FICO - 719
TU FICO - 721
EX FICO(AMEX) - 712
Valued Contributor
creditnocash
Posts: 2,164
Registered: ‎07-23-2012

Re: Think twice before you apply for Citi credit card.


Credit314 wrote:

Citi is the 5th most hated company in the world http://finance.yahoo.com/news/the-10-most-hated-companies-in-america-162927740.html?page=all


it actually says america but at best thats trivial. and its all companies apperantly unless its in the americas because rim is a canadian company. 

 

companies hated by americans? 

Current: EQ 735 Discover 9/5/13 Walmart TU 730 EX FICO 726 Amex Pull(1/1/13)

Starting total revolving credit: $2600 | Current total revolving credit: 31k+

Inquiries (24 Months): EQ 8 TU 5 EX 5 | Most Recent: 09/04/2013
2 Inquiries in The Last 12 Months


2014 Goals:
Lower Utility

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012

Re: Think twice before you apply for Citi credit card.

+10000

Frequent Contributor
slarano
Posts: 279
Registered: ‎04-30-2008

Re: Think twice before you apply for Citi credit card.

My Citi Thank You Premier card is my highest CL card, they've always been good to me. :smileyhappy:


myFICO Starting Scores: TU 643 03.10.09 EX 676 01.09.09 EQ 638 05.24.09
Current Score: (WalMart FICO) TU 792 04.03.13 (Mortgage Lender - HP) EX 745 02.06.13 (Mortgage Lender - HP) EQ 771 02.06.13
Goal Score: 800+


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Frequent Contributor
astritaho1979
Posts: 451
Registered: ‎10-02-2011

Re: Think twice before you apply for Citi credit card.

its not about hate.That comes with the business but they act stupid some times and annoy the hek out of me for years now.They simply need to wake up and handle this circus they created by hiring some lame underwriters and most of the time they would even ook at your file and let the computer do the decision thing

I make 125k from pers inc and 355k from the business

All my credit lines are at the business area Chase and bank of America total 195k limit

Iam only trying to strengthen the pers. credit.Iam good with the business.I applied for the business credit card with citi as well,disaster

CHASE AND BOA ARE THE KINGS OUT THERE


COMMERCE BANK PLATINIUM VISA 20K*PAYPAL MC $9.5K*CITI FORWARD $8.5K*PENFED $6,5K*
*LOWES $6K *CMN BANK $5.2K-*PNC $5K*SCLUB DISC. $5K*
WMART DISC.4K*CMN BANK 3.75K*BANK OF AMERICA $3K* MACYS $2.2K*
JCP $1.8*TARGET $0.7K* UTL1%- AAOA 5.5- TOTAL 12 yrs History/
Transunion 718 Equifax 733- Experian 736
Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012

Re: Think twice before you apply for Citi credit card.

So why keep trying then especially when you know atleast 150 people who had there acct closed for no reason?

Frequent Contributor
astritaho1979
Posts: 451
Registered: ‎10-02-2011

Re: Think twice before you apply for Citi credit card.

Sure,I apreciate that and believe me i am glad we have a helthy dialog even wen we dont agree .The important thing is we all try to help one another

Fico 720

UTL 1%

18 inq

AAOA 5/12

3 new accounts on the cr report

1 late 30d 4 yrs ago

All this was back in oct when i applied for 15 cards in total incl autoloan

Got approved for all exept citi wich i applied first


COMMERCE BANK PLATINIUM VISA 20K*PAYPAL MC $9.5K*CITI FORWARD $8.5K*PENFED $6,5K*
*LOWES $6K *CMN BANK $5.2K-*PNC $5K*SCLUB DISC. $5K*
WMART DISC.4K*CMN BANK 3.75K*BANK OF AMERICA $3K* MACYS $2.2K*
JCP $1.8*TARGET $0.7K* UTL1%- AAOA 5.5- TOTAL 12 yrs History/
Transunion 718 Equifax 733- Experian 736
Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012

Re: Think twice before you apply for Citi credit card.

That doesnt answer the question.

Valued Contributor
creditnocash
Posts: 2,164
Registered: ‎07-23-2012

Re: Think twice before you apply for Citi credit card.

having business accounts sometimes doesnt justify personal credit. if the company is a corporation or a dbf even they could not be held liable for the charges etc... 

 

im starting to think that this thread should be reviewed for obvious reasons. before this gets out of hand.  

 

click here mods!

 

Current: EQ 735 Discover 9/5/13 Walmart TU 730 EX FICO 726 Amex Pull(1/1/13)

Starting total revolving credit: $2600 | Current total revolving credit: 31k+

Inquiries (24 Months): EQ 8 TU 5 EX 5 | Most Recent: 09/04/2013
2 Inquiries in The Last 12 Months


2014 Goals:
Lower Utility

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000

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