Valued Member
proton022
Posts: 39
Registered: ‎08-18-2011
CITI AAdvantage denied due to "restricted privilege"
[ Edited ]

‎08-31-2012 11:05 PM - edited ‎08-31-2012 11:09 PM

I am getting to terms with the harsh realization that an excellent credit score is not enough. I have FICO scores of 795, 783 and 747. 9 total accounts, 3 current revolving accounts with only one showing a balance at 2% utilization, auto loan that I just paid off, and a handsome annual income.

 

I applied for Starwood. Reject, currently under reconsideration. 

 

I applied for AAdvantage. Reject. They would only say that my account has "restricted privileges". Nothing more. I believe the reason has to do with a couple of returned checks   two years ago (due to not updating the autopay in time when I switched my bank account) resulting in a 60 day late that made CITI close the CCs that I had with them at that time. Otherwise my history is clean. But that late was two years ago. 

 

I'm not thrilled at the way CITI has treated me and probably won't go back to them in future, but at the same time, I don't want to waste one hard inquiry that has already appeared on my report. I might as well get the AA card and the bonus.

 

It appears that I have been blacklisted by CITI. Has anyone else here had similar experience but managed to convince CITI to look at your current status and get approved?

(1,089 Views)
 
Mega Contributor
LS2982
Posts: 15,093
Registered: ‎04-09-2011
Re: CITI AAdvantage denied due to "restricted privilege"

‎09-01-2012 08:47 AM

Unfortunately Citi has a long memory and they do blacklist. I had a 10 yr old co acct they denied me because of it.


Silver Spade Garden Club Member - Last App 1/6/13 - No Apps until 1/7/2015 / Diamond Inspired!
Starting Score: EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 684 / EQ FICO 664 / TU08 FICO 687 / TU98 FICO 672 / TU VS 711 6/16/2013
(983 Views)
 
Established Contributor
gettnthere
Posts: 899
Registered: ‎06-14-2012
Re: CITI AAdvantage denied due to "restricted privilege"

‎09-01-2012 08:59 AM

dang im sorry to hear that u got denied, espicially with such good scores and income. why did AMEX reject you? seems you would have been a perfect candidate for the Starwood.



Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 :smileywink:
(968 Views)
 
Valued Contributor
Open123
Posts: 2,637
Registered: ‎02-23-2011
Re: CITI AAdvantage denied due to "restricted privilege"

‎09-01-2012 09:30 AM

gettnthere wrote:

dang im sorry to hear that u got denied, espicially with such good scores and income. why did AMEX reject you? seems you would have been a perfect candidate for the Starwood.

Amex runs telecheck.

 

For most applicants, if they see payday loans, nsf checks, or even honest mistake, they'll refuse to approve without some considerable effort and explaining.  In this case, I'm not sure it's worth it.

(951 Views)
 
Senior Contributor
Wolf3
Posts: 3,188
Registered: ‎01-24-2010
Re: CITI AAdvantage denied due to "restricted privilege"

‎09-01-2012 02:36 PM

Does that mean they approved the AA credit card when you applied for the cobranded AAAdvantage?

 

 

 

 

(893 Views)
 
Valued Member
proton022
Posts: 39
Registered: ‎08-18-2011
Re: CITI AAdvantage denied due to "restricted privilege"
[ Edited ]

‎09-01-2012 11:33 PM - edited ‎09-01-2012 11:34 PM

@gettnthere Amex also pointed to my 60-day late that is 23 months old (not 2 years yet)


@ Wolf3 "Does that mean they approved the AA credit card when you applied for the cobranded AAAdvantage?"


Not sure if I understood your q. No, CITI denied my current application. The CITI cards that I had in the past but now closed were not AA cobranded cards.

(799 Views)
 
Valued Contributor
clocktick
Posts: 1,301
Registered: ‎12-07-2008
Re: CITI AAdvantage denied due to "restricted privilege"

‎09-02-2012 11:34 AM

I charged off a Citi card (possibly 2, can't remember) but now have 6 Citi cards if you count the gas card.  I waited years and years though.  Maybe 2 years is too recent in their eyes.

 

11/30/08 TU 648 EX 672 EQ 656 2011 TU 736 EX 751 EQ 729 5/2012 TU 759 EX 784 EQ 742
Amex Blue/Clear/BCP/Surpass Hhonors/Business Gold - Barclays LLBean - BOA Hawaiian Airx2/Virgin Atlantic - Cap One Cash Rewards - Chase Freedom/United Mileage Plus Explorer/Sapphire Preferred/Ink- Citi Diamond Preferred/Dividend/ Shell/HHHx2/Reserve- Discover More - GEMB Lowes - Macy's



Starting Score: 648
Current Score: 736
Goal Score: 765

Take the FICO Fitness Challenge

(733 Views)
 
Valued Member
proton022
Posts: 39
Registered: ‎08-18-2011
Re: CITI AAdvantage denied due to "restricted privilege"
[ Edited ]

‎09-06-2012 09:13 PM - edited ‎09-06-2012 09:13 PM

I called up a few CITI numbers. Their representatives were hard to talk to, and they don't seem to have anything to say about my specific situation. They just kep parroting what they have been asked to repeat when your application get denied. Dead end. Lesson: once you are in CITI's bad books, don't deal with them for a long long time.

(630 Views)
 
Valued Contributor
trumpet-205
Posts: 1,915
Registered: ‎11-11-2010
Re: CITI AAdvantage denied due to "restricted privilege"
[ Edited ]

‎09-06-2012 10:41 PM - edited ‎09-06-2012 10:42 PM

proton022 wrote:

I called up a few CITI numbers. Their representatives were hard to talk to, and they don't seem to have anything to say about my specific situation. They just kep parroting what they have been asked to repeat when your application get denied. Dead end. Lesson: once you are in CITI's bad books, don't deal with them for a long long time.

Well, returned check is actually a very serious delinquency (more serious than late). I believe any lender woud have reacted strongly if you ever bounced a check before.

 

In My Wallet:
Citi Forward (12/2010) | Citi TY Preferred (05/2011) | BofA Travel Rewards (07/2011) | Chase Freedom (11/2011)
GECRB/PayPal (05/2012) | Discover it (07/2012) | US Bank Cash Reward (08/2012) | AMEX BCE (09/2012)
Target (10/2012) | Chase Ink Classic (11/2012) | BofA Balance Rewards (04/2013)
(599 Views)
 
Valued Member
proton022
Posts: 39
Registered: ‎08-18-2011
Re: CITI AAdvantage denied due to "restricted privilege"

‎09-06-2012 11:12 PM

Well, returned check is actually a very serious delinquency (more serious than late). I believe any lender woud have reacted strongly if you ever bounced a check before.

 

I see. I should have been more careful with the autopay. They kept trying to withdraw from an old account when I had transfered funds to the new one.

(589 Views)