topic Re: For those who think Citi is sensitive to inquiries in Credit Card Approvals

For those who think Citi is sensitive to inquiries

Membersince2013 — Sun, 13 Sep 2015 14:40:36 GMT

I received a preapproval for the Citi Advantage card 4 days ago and totally ignored it think it would be a waste of a inquire since I recently got approved for a card IHG card about 3 days prior. It wasn't until yesterday that I bit the bullet and finally applied. Even with 30+ inquiries on my EX report, I was instantly approved. Needless to say, I'm not exactly sure, but I can only assume that they totally overlooked my inquiries because of my already existing relationship with them.

Re: For those who think Citi is sensitive to inquiries

Anonymous — Sun, 13 Sep 2015 14:44:52 GMT

It looks like the magic number of inquiries is now 30! Congrats!

Re: For those who think Citi is sensitive to inquiries

Anonymous — Sun, 13 Sep 2015 14:57:36 GMT

Wow, that's good to hear! Congrats!

Re: For those who think Citi is sensitive to inquiries

9CLINE — Sun, 13 Sep 2015 15:15:37 GMT

Congrats 2 ya on new card.........

Re: For those who think Citi is sensitive to inquiries

Anonymous — Sun, 13 Sep 2015 15:18:56 GMT

Same exact thing happened to me except they pulled equifax which is my lowest score and most inqs. Around 35 approved me for 3000

Re: For those who think Citi is sensitive to inquiries

Anonymous — Sun, 13 Sep 2015 15:22:10 GMT

Wow! Interesting!

Re: For those who think Citi is sensitive to inquiries

Anonymous — Sun, 13 Sep 2015 16:33:58 GMT

All lenders are sensitive to inquiries, and all lenders are not sensitive to inquiries. It just depends on the individual profile.

Re: For those who think Citi is sensitive to inquiries

taxi818 — Sun, 13 Sep 2015 16:57:31 GMT

Very interesting indeed op. Im guessing this was a mailer? and not a online pre qual? thanks for any info on this.

Went and checkd prequal this is what i got. I have 23 inqs on experian after my car purchase thursday. argg.

Re: For those who think Citi is sensitive to inquiries

Anonymous — Sun, 13 Sep 2015 18:22:30 GMT

I think CAPTOOL has it right. Congrats Membersince2013!
taxi its showing you a pre approval with the lowest (I believe) APR offered. Not saying it would be a guaranteed approval bc nothing is but it seems as if Citi might like your overall profile so if you need the card then go for it and dont stress on the inqs. You've already got 23 one more isnt going to make much difference. If you dont need it then pass.

Re: For those who think Citi is sensitive to inquiries

taxi818 — Sun, 13 Sep 2015 18:39:22 GMT

Correct hf. Couldn't pass it up. DENIED. sending a condolence letter. Hehehe. Don't know how long this pre quality has been sitting there. Should have went for co branded. No a Alert on inq. But hey 1 more. No big deal.

Re: For those who think Citi is sensitive to inquiries

Anonymous — Sun, 13 Sep 2015 18:56:04 GMT

Aww sorry taxi Maybe try to recon with the EO. If the majority of your inqs are auto related they might overlook them. Assuming thats the reason for denial.

Re: For those who think Citi is sensitive to inquiries

Anonymous — Sun, 13 Sep 2015 20:20:20 GMT

Congrats to you!

I already have the Advantage card, but they won't approve me for the Double Cash card. I have a lot of inquires, and thought that may be why. Hmmm, not so sure now.

Re: For those who think Citi is sensitive to inquiries

Anonymous — Sun, 13 Sep 2015 20:34:36 GMT

@Anonymous wrote:
Congrats to you!

I already have the Advantage card, but they won't approve me for the Double Cash card. I have a lot of inquires, and thought that may be why. Hmmm, not so sure now.

Advantage is co-branded, right? AT&T? DC is much more stringent than co-branded and if approved, often a lower limit than other Citi cards.

Re: For those who think Citi is sensitive to inquiries

kdm31091 — Mon, 14 Sep 2015 00:12:24 GMT

@taxi818 wrote:
Correct hf. Couldn't pass it up. DENIED. sending a condolence letter. Hehehe. Don't know how long this pre quality has been sitting there. Should have went for co branded. No a Alert on inq. But hey 1 more. No big deal.

It's not like it's a spectacular card anyway.

I think their prequal is glitching because all of my prequals suddenly say 12.99%. So I wouldn't take it seriously right now, because there is no way my profile improved that much that quickly (I got a DC at 17.99 two months ago).

Re: For those who think Citi is sensitive to inquiries

12njoy — Mon, 14 Sep 2015 00:21:41 GMT

@Membersince2013 wrote:
I received a preapproval for the Citi Advantage card 4 days ago and totally ignored it think it would be a waste of a inquire since I recently got approved for a card IHG card about 3 days prior. It wasn't until yesterday that I bit the bullet and finally applied. Even with 30+ inquiries on my EX report, I was instantly approved. Needless to say, I'm not exactly sure, but I can only assume that they totally overlooked my inquiries because of my already existing relationship with them.

Congrats. I can't get a preapproval with CITI nor a CLI on my DC.

Re: For those who think Citi is sensitive to inquiries

Anonymous — Mon, 14 Sep 2015 00:22:37 GMT

I was approved for 11 credit cards from July 2014 to March 2015. Then I got the Citi Simplicity in March 2015 ($4,800 SL). They didn't seem to care about inquiries with my case. Followed up with Synchrony's Lowes and EBates after that and have been in the garden since May 2015. I see myself aging some whiskey before any other apps (maybe never another app).

Re: For those who think Citi is sensitive to inquiries

whiteknight1971 — Mon, 14 Sep 2015 00:28:51 GMT

Congratulations ! Its nice to know that its still possible to get new credit lines even when a profile has a lot of inquiries

Re: For those who think Citi is sensitive to inquiries

12njoy — Mon, 14 Sep 2015 00:30:12 GMT

Does all CITI and CITI cobranded cards pull EX?

Re: For those who think Citi is sensitive to inquiries

Membersince2013 — Mon, 14 Sep 2015 00:32:19 GMT

Taxi, I also have 30+ inquiries because of car loans from March. Sorry about the unsuccessful attempt. Maybe next time.

Re: For those who think Citi is sensitive to inquiries

taxi818 — Mon, 14 Sep 2015 00:37:12 GMT

I think because I went for a main card instead of co branded. Ironically. I'm still getting all the pre quals now. @ kdm. We got our cards about the same time kdm. I agree. But until Thursday. I was down to 2 apps last 6 months. So I think that's how citi determines. But could be wrong. I couldn't resist seeing the 12.99%