topic Re: Help me with my Citi recon in Credit Card Approvals

Help me with my Citi recon (Update: APPROVED!)

14Fiesta — Thu, 11 Dec 2014 02:16:06 GMT

So my Citi decline letter came today, and the ONLY thing they list as reason for denial is because:

"The consumer reporting agency serving your area (Experian) has reported only a limited credit history for you."

I only got this type of letter when I couldn't generate a FICO score. Is it possible Citi has a longer minimum credit history requirement than Chase? How should I go about trying to recon this (if it's even worth the effort?)

Re: Help me with my Citi recon

coldnmn — Mon, 08 Dec 2014 22:34:39 GMT

It's always worth a shot calling. You already took the HP! The worst they can say is no.

http://ficoforums.myfico.com/t5/Credit-Cards/Backdoor-Numbers/m-p/408066

Re: Help me with my Citi recon

Anonymous — Tue, 09 Dec 2014 03:20:29 GMT

Let me know how your recon goes. I have a Citi DC i need to recon.

Re: Help me with my Citi recon

14Fiesta — Tue, 09 Dec 2014 03:37:32 GMT

@coldnmn wrote:
It's always worth a shot calling. You already took the HP! The worst they can say is no.

http://ficoforums.myfico.com/t5/Credit-Cards/Backdoor-Numbers/m-p/408066

What one is it? The EO?

Re: Help me with my Citi recon

Anonymous — Tue, 09 Dec 2014 04:19:23 GMT

Agreed, 14Fiesta. You took the hard pull, blow that recon line out of the water until you are sleep deprived and they accept, lol.

MY TURN TO HELP YOU NOW!

I believe you have had each of your three cards there in your siggy for quite some time (not including that BB card you recently got!) If I were you, I'd pretty much explain how your Experian report may show a limited history, yet you've had --such and such-- cards for xx months/years, which you responsibly keep your utilization low and use your credit wisely as you are a big member of the myFICO forums" (trust me, creditors know this website).

This would be up to you, but I'd speak up and recommend they could maybe help you with another chance at pulling a different bureau. Check with your report and see what bureau you have the highest score in and the most history reported. Also take in consideration and find out which credit bureau they pulled whenever you applied for the BB card, which I am assuming was your Transunion? As you know, they see new inquiries as a risk sometimes.

Please update me again a little more on your AAoA and inquiry list.

Re: Help me with my Citi recon

Anonymous — Mon, 19 Jan 2015 03:24:59 GMT

Re: Help me with my Citi recon

14Fiesta — Tue, 09 Dec 2014 05:57:43 GMT

@Anonymous wrote:
Agreed, 14Fiesta. You took the hard pull, blow that recon line out of the water until you are sleep deprived and they accept, lol.

MY TURN TO HELP YOU NOW!

I believe you have had each of your three cards there in your siggy for quite some time (not including that BB card you recently got!) Chase card I just got, AMEX on 7/1/14, and Discover on 12/30/14. If I were you, I'd pretty much explain how your Experian report may show a limited history, yet you've had --such and such-- cards for xx months/years, which you responsibly keep your utilization low and use your credit wisely as you are a big member of the myFICO forums" (trust me, creditors know this website).

This would be up to you, but I'd speak up and recommend they could maybe help you with another chance at pulling a different bureau They pulled EX only I think. Check with your report and see what bureau you have the highest score in and the most history reported. Also take in consideration and find out which credit bureau they pulled whenever you applied for the BB card, which I am assuming was your Transunion BB pulled EQ, I shoulda listened to you ? As you know, they see new inquiries as a risk sometimes.

Please update me again a little more on your AAoA and inquiry list.

EX

TU

AAoA

Re: Help me with my Citi recon

14Fiesta — Tue, 09 Dec 2014 21:44:08 GMT

Okay. So I just called the recon line. Got a very nice lady who took my number and said she would call back after she looks into it for me. She said it might take up to three days. *crosses fingers*

Re: Help me with my Citi recon

chalupaman — Wed, 10 Dec 2014 01:04:21 GMT

@14Fiesta wrote:
Okay. So I just called the recon line. Got a very nice lady who took my number and said she would call back after she looks into it for me. She said it might take up to three days. *crosses fingers*

Good luck with that.

Re: Help me with my Citi recon

uswala — Wed, 10 Dec 2014 01:40:25 GMT

Good luck!

Re: Help me with my Citi recon

Anonymous — Wed, 10 Dec 2014 13:04:46 GMT

@14Fiesta wrote:
Okay. So I just called the recon line. Got a very nice lady who took my number and said she would call back after she looks into it for me. She said it might take up to three days. *crosses fingers*

Which number did you call?

Re: Help me with my Citi recon

14Fiesta — Wed, 10 Dec 2014 18:47:33 GMT

@Anonymous wrote:
@14Fiesta wrote:
Okay. So I just called the recon line. Got a very nice lady who took my number and said she would call back after she looks into it for me. She said it might take up to three days. *crosses fingers*
Which number did you call?

I called the Credit Card EO that Credit Addict posted, but the lady said I had the wrong number, so she transferred me to the EO.

Re: Help me with my Citi recon

14Fiesta — Thu, 11 Dec 2014 00:47:42 GMT

OH MY GOD! OH MY GOD! OH MY GOD! OH MY GOD! OH MY GOD!

I haven't gotten the phone call yet, but I just checked the app status page and it went from denied to:

I am so excited! I don't even care about the low starting limit, I can garden and ask for a CLI in 6 months!

Thanks Citi

Re: Help me with my Citi recon

Anonymous — Thu, 11 Dec 2014 00:50:32 GMT

@14Fiesta wrote:
OH MY GOD! OH MY GOD! OH MY GOD! OH MY GOD! OH MY GOD!

I haven't gotten the phone call yet, but I just checked the app status page and it went from denied to:

I am so excited! I don't even care about the low starting limit, I can garden and ask for a CLI in 6 months!

Thanks Citi

Oh, You suck, YOU SUCK!

Congratulations, duder!

Re: Help me with my Citi recon

uswala — Thu, 11 Dec 2014 01:10:20 GMT

@14Fiesta wrote:
OH MY GOD! OH MY GOD! OH MY GOD! OH MY GOD! OH MY GOD!

I haven't gotten the phone call yet, but I just checked the app status page and it went from denied to:

I am so excited! I don't even care about the low starting limit, I can garden and ask for a CLI in 6 months!

Thanks Citi

Congrats!

Something is better than nothing

Re: Help me with my Citi recon

chalupaman — Thu, 11 Dec 2014 01:11:38 GMT

@14Fiesta wrote:
OH MY GOD! OH MY GOD! OH MY GOD! OH MY GOD! OH MY GOD!

I haven't gotten the phone call yet, but I just checked the app status page and it went from denied to:

I am so excited! I don't even care about the low starting limit, I can garden and ask for a CLI in 6 months!

Thanks Citi

Definitely request a CLI whenever you see something in your account saying that they won't pull a credit report. That's the occasional SP CLI that Citi from time to time will offer. Otherwise it's a HP if you request for more.

Congratulations! I wanted to PC to that card but Citi won't let me and my attempts at getting the Double Cash really haven't worked.

Re: Help me with my Citi recon

coldnmn — Thu, 11 Dec 2014 01:18:10 GMT

Congrats! Thanks for sharing.

Re: Help me with my Citi recon

14Fiesta — Thu, 11 Dec 2014 01:54:12 GMT

@chalupaman wrote:
@14Fiesta wrote:
OH MY GOD! OH MY GOD! OH MY GOD! OH MY GOD! OH MY GOD!

I haven't gotten the phone call yet, but I just checked the app status page and it went from denied to:

I am so excited! I don't even care about the low starting limit, I can garden and ask for a CLI in 6 months!

Thanks Citi
Definitely request a CLI whenever you see something in your account saying that they won't pull a credit report. That's the occasional SP CLI that Citi from time to time will offer. Otherwise it's a HP if you request for more.

Congratulations! I wanted to PC to that card but Citi won't let me and my attempts at getting the Double Cash really haven't worked.

What did they decline you for? (reasons listed)

=========================================================

Thanks for the thanks everyone! This welcome news made my awesome night awesomer.

Re: Help me with my Citi recon

alvon123 — Thu, 11 Dec 2014 02:28:55 GMT

@14Fiesta wrote:
OH MY GOD! OH MY GOD! OH MY GOD! OH MY GOD! OH MY GOD!

I haven't gotten the phone call yet, but I just checked the app status page and it went from denied to:

I am so excited! I don't even care about the low starting limit, I can garden and ask for a CLI in 6 months!

Thanks Citi

congrats

Re: Help me with my Citi recon (Update: APPROVED!)

Anonymous — Mon, 19 Jan 2015 03:05:04 GMT