topic Re: Citi Card Simplicity in Credit Card Approvals

Citi Card Simplicity

ilkhats44 — Wed, 17 Jul 2013 16:21:18 GMT

I am trying to get approve for the Citi Card Simplicity and was denied because of too many inquiries. I just closed on a home and I couldn't open up any new account between Novemeber 2012 and July 2013 because of trying to closed on the new home. I know my lender made a few inquires to check credit but I didn't open up a credit account at that time.

I want to use thius card to consolidate some debt and pay it off within the 18 months 0% interest. I have good credit ranging from 660-680 and I just want to be able to obtain a llimit where I can consolidate my debt.

Any help or suggestions will be very helpful.

Re: Citi Card Simplicity

Anonymous — Wed, 17 Jul 2013 17:20:15 GMT

Exactly how many inquiries do you have on each report? AAoA? What are your current accounts and utilization?

Re: Citi Card Simplicity

teddybearkelli1 — Wed, 17 Jul 2013 17:25:23 GMT

Odd, I was just approved for their card in February. They pulled Experian, and I had 13 inquiries at the time of approval.

Re: Citi Card Simplicity

lhcole77 — Wed, 17 Jul 2013 17:30:47 GMT

I was approved for this card in June.

They pulled both EX and EQ for me. From what I've read, you may need higher scores to get approved for a decent starting CL.

Here was my profile around app:

EX: 779 FICO w/ 1 INQ

EQ: 734 FICO w/ 0 INQ

UTL ~7%

Good luck and congratulations on closing home!

Re: Citi Card Simplicity

LawStudentCivilis — Wed, 17 Jul 2013 17:35:43 GMT

Could OP call backdoor for a recon? I don't anything about Citi and whether they're good with recons.

Re: Citi Card Simplicity

ilkhats44 — Wed, 17 Jul 2013 18:45:36 GMT

Thanks all for the information.

I am not 100% sure what my credit score is. I am at work. However, when I closed on my home, my DTI was at 40%.

I just want to consolidate some of my credit card and pay it off within the 18 months. Which is not a bad deal, if I can jus tget approve.

Re: Citi Card Simplicity

Reese2107 — Wed, 17 Jul 2013 18:51:17 GMT

I was denied for a different Citi Card a couple of weeks ago due to too many inquiries. I recently rented an apartment which hit me twice in one day, as well as Helzberg Diamonds hitting me three times in one day. After all I have heard about Citi recons, i tried to call anyway. I explained the inquiries, and then being as I moved in the past thirty days, had to provide proof of address. Approved with one phone call, no problem. It never hurts to try to recon, regardless of anyone else's experiences.

Re: Citi Card Simplicity

emptypockets — Wed, 17 Jul 2013 18:52:56 GMT

I would call them. You have nothing to lose, all they can do is say no - but they may say yes. Plus, you already took the INQ, so don't waste it.

Re: Citi Card Simplicity

missjae — Fri, 19 Jul 2013 02:08:09 GMT

@ilkhats44 wrote:
I am trying to get approve for the Citi Card Simplicity and was denied because of too many inquiries. I just closed on a home and I couldn't open up any new account between Novemeber 2012 and July 2013 because of trying to closed on the new home. I know my lender made a few inquires to check credit but I didn't open up a credit account at that time.

I want to use thius card to consolidate some debt and pay it off within the 18 months 0% interest. I have good credit ranging from 660-680 and I just want to be able to obtain a llimit where I can consolidate my debt.

Any help or suggestions will be very helpful.

I was approved last year for two Simplicity cards and at the time, I had a bunch of new inquiries and my credit score was in the same range. They gave me one for $1,500 and another for $500. Not a lot, but it got me in the door.

A friend of mine had no credit, but after adding him as an AU to a few of my cards, Citi gave him a $3,000 limit. He had a bunch of inquiries as well and new tradelines too.

I'm not expert but call and see if they'll reconsider your app....

Re: Citi Card Simplicity

Anonymous — Fri, 19 Jul 2013 02:14:40 GMT

Like others have said, call and recon. If still a no-go, wait for the mortgage to report on your credit report, then at least that give some validity to all the inqs.

While your fico score will count all the mortgage inquires as one, lenders sometimes wont.

Re: Citi Card Simplicity

kobe2012 — Fri, 19 Jul 2013 04:23:25 GMT

I called the backdoor number listed here and the csr transferred me to a supervisor..i have 20 inquiries and 11 or 12 this year alone .. She approved me anyway for 2k ... give it a try ..good luck

Re: Citi Card Simplicity

Anonymous — Fri, 19 Jul 2013 06:02:59 GMT

Like others said, I would advise you to call recons as well. However do note though... Citi is very pull friendly when it comes to their recons process. You might end up with a couple more inquiries.

Re: Citi Card Simplicity

lhcole77 — Fri, 19 Jul 2013 13:42:57 GMT

Good insight enharu

Re: Citi Card Simplicity

dallasjetfan — Mon, 28 Oct 2013 14:09:27 GMT

I applied last night and needed to call for to provide additional info. She didn't ask for any other info and then approved me for $2K which will be my lowest CL. I finally have a "prime" card I guess 8 years after BK. I have way too much credit now since Barclays seems to approve me every 3 months for $2000 on my two cards I have. I will be dumping my Cap One plus my checking accounts because they haven't given me a CLI in over 5 years. Hopefully, Citi will be generous with their CLI's. I would like to only carry this card, my Barclay's, my Car Care One and Care Credit cards, and my CU card. It will be nice to have 0% for 18 months. I wonder if I can get a CLI when I receive the card?? Is this card still considered prime??

Re: Citi Card Simplicity

coldnmn — Mon, 28 Oct 2013 14:22:34 GMT

Yes it's prime Cograts!

Re: Citi Card Simplicity

dallasjetfan — Mon, 28 Oct 2013 15:15:16 GMT

How generous are they with CLI's??

Re: Citi Card Simplicity

mxp114 — Mon, 28 Oct 2013 17:50:33 GMT

@dallasjetfan wrote:
I applied last night and needed to call for to provide additional info. She didn't ask for any other info and then approved me for $2K which will be my lowest CL. I finally have a "prime" card I guess 8 years after BK. I have way too much credit now since Barclays seems to approve me every 3 months for $2000 on my two cards I have. I will be dumping my Cap One plus my checking accounts because they haven't given me a CLI in over 5 years. Hopefully, Citi will be generous with their CLI's. I would like to only carry this card, my Barclay's, my Car Care One and Care Credit cards, and my CU card. It will be nice to have 0% for 18 months. I wonder if I can get a CLI when I receive the card?? Is this card still considered prime??

Try Capital One EO for SP CLI, especially worth the effort if a tenured account. You may also qualify for product trade to 1.5% cashback, etc.

Re: Citi Card Simplicity

dallasjetfan — Mon, 28 Oct 2013 17:59:52 GMT

@mxp114 wrote:
@dallasjetfan wrote:
I applied last night and needed to call for to provide additional info. She didn't ask for any other info and then approved me for $2K which will be my lowest CL. I finally have a "prime" card I guess 8 years after BK. I have way too much credit now since Barclays seems to approve me every 3 months for $2000 on my two cards I have. I will be dumping my Cap One plus my checking accounts because they haven't given me a CLI in over 5 years. Hopefully, Citi will be generous with their CLI's. I would like to only carry this card, my Barclay's, my Car Care One and Care Credit cards, and my CU card. It will be nice to have 0% for 18 months. I wonder if I can get a CLI when I receive the card?? Is this card still considered prime??
Try Capital One EO for SP CLI, especially worth the effort if a tenured account. You may also qualify for product trade to 1.5% cashback, etc.

Not sure its worth the effort at this point.

Re: Citi Card Simplicity

Anonymous — Mon, 28 Oct 2013 20:17:59 GMT

@dallasjetfan wrote:
@mxp114 wrote:
@dallasjetfan wrote:
I applied last night and needed to call for to provide additional info. She didn't ask for any other info and then approved me for $2K which will be my lowest CL. I finally have a "prime" card I guess 8 years after BK. I have way too much credit now since Barclays seems to approve me every 3 months for $2000 on my two cards I have. I will be dumping my Cap One plus my checking accounts because they haven't given me a CLI in over 5 years. Hopefully, Citi will be generous with their CLI's. I would like to only carry this card, my Barclay's, my Car Care One and Care Credit cards, and my CU card. It will be nice to have 0% for 18 months. I wonder if I can get a CLI when I receive the card?? Is this card still considered prime??
Try Capital One EO for SP CLI, especially worth the effort if a tenured account. You may also qualify for product trade to 1.5% cashback, etc.
Not sure its worth the effort at this point.

It's not that much effort and for some it has had very good results. It's also nice to have a general 1.5% card if they can PC for you. Also, CLIs with Citi seem very hit or miss. Many people report getting them, but at least as many others (sadly including me) haven't got any.

Re: Citi Card Simplicity

CardsLifeLine — Mon, 28 Oct 2013 21:46:28 GMT

Can some one share with me CITI back door number ? I have applied for CITI simplycity card and I am decline for too many hard inquires [ 20+]. my AAoA is 1 year and 4 months and as every one is suggesting I would like to try my luck and see if possible to get it approved. Please suggest.