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Established Contributor
bribro
Posts: 876
Registered: ‎04-20-2012

Re: Ticked off at Citi

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‎10-05-2012 09:06 AM

Well, their "excuse" makes total sense. If you have a ton of available credit that you aren't using, why should they extend more?
Credit Karma Score: 803 (4/26/13)
Credit Sesame Score: 792 (4/26/13)

J.P. Morgan Palladium ($100k x3) | Citi Dividend World Elite MC w/EMV ($20k) | Chase Sapphire Preferred Visa Signature ($25k) | Chase Ink Bold World Elite MC ($25k Flex) | Chase Freedom Visa Signature ($25k) | Chase Freedom World MC ($25k) | Chase MileagePlus Explorer Visa Signature ($15k) | AmEx Blue Sky ($22.5k) | Lexus Financial Services ($30k) | Capital One Store Credit ($6k) | GE Money Store Credit ($3k) | WFNNB Store Credit ($2k) | Macy's Store Credit ($2k)
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Regular Contributor
jtc411
Posts: 169
Registered: ‎03-29-2012

Re: Ticked off at Citi

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‎10-05-2012 11:37 AM

I don't have a "ton" of available credit...I have 2240 showing available from Juniper, 1000 from Discover and my Amex charge.  It's not like I have 40 grand in available credit.  I was just approved for BOA 123 and Chase Freedom 5k and 6k respectivly with no issues at all.  Oh well, just can't do business with Citi

Starting Score: EQ 619
Current Score: EQ 735, TU 732, EX 745(Lender Pulled)
Goal Score: EQ 700

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Established Contributor
cashnocredit
Posts: 743
Registered: ‎07-18-2009

Re: Ticked off at Citi

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‎10-05-2012 12:57 PM - edited ‎10-05-2012 12:59 PM

jtc411 wrote:

Decided to add one more card to my mini spree after getting denied for BCE and still in pending review for Cash Plus, and Citi denies me with a 740 EQ and 80k a year income.  I call them and they give me the reason as being "Too low amount of revolving credit being used"...really Citi?  I'm sorry for not being in major debt.  FWIW my AAOA is 6 years and my history is 11 years

That's one of the reasons I let balances report even though I pif. Some banks are now reporting fine grain info so you can see card usage even when a customer pre-pays. Citi doesn't report this so there is a reasonable chance they don't utilize it when they pull CRs.

I have reestablished credit over the last couple years
so my moniker is, well, rather out of date.

WM Discover $800, WF Plat 12k, Chase Freedom Siggy15k, Amex Plat (60k H/B), Citi AA EWMC 25k
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