topic Re: CITI is NOT Inq or New account sensitive!! + mini spree in Credit Card Approvals

CITI is NOT Inq or New account sensitive!! + mini spree

Anonymous — Mon, 19 Jun 2017 21:49:45 GMT

So I cold app'd for the AA Platinum elite card for the 60k bonus miles promo did not expect anything to really come of it, application went to "further processing required" and then I received a letter asking me to call and confirm address information. Called and the agent spoke with her manager and was able to get me approved for $6.5k! I have a ton of new accounts and Inqs, data points provided below along with the results of my other spree results. From what I have read this rather unusual for CITI, but it appears at least in my case they were willing to look past all of the inqs and new accounts, YMMV.

AA Platinum:

CBR Pulled: EQ and EX

Scores: 711, 726

Inqs: 64, 82

AAoA: 11 months

Loads of new accounts

Status: Approved after review, no recon needed

Limit: $6.5k

APR: Unknown

USAA Limitless:

CBR Pulled: EQ

Scores: 711

Inqs: 64

AAoA: 11 months

Loads of new accounts

Status: Instant Approved

Limit: $6.0k

APR: 20.65%

Cabela's Visa:

CBR Pulled: EQ

Scores: 711

Inqs: 64

AAoA: 11 months

Loads of new accounts

Status: Instant Approved

Limit: Unkown

APR: Unknown

BP Visa:

CBR Pulled: TU

Scores: 731

Inqs: 43

AAoA: 11 months

Loads of new accounts

Status: Instant Approved

Limit: $1.8k

APR: Unknown

CLI Request:

Final Visa:

CBR Pulled: EX Soft Pull

Scores: 726

Inqs: 82

AAoA: 11 months

Loads of new accounts

Status: Approved

Limit: $5k --> $10k

APR: Remained same.

Re: CITI is NOT Inq or New account sensitive!! + mini spree

Anonymous — Mon, 19 Jun 2017 21:55:40 GMT

I'm impressed! Congrats!

Re: CITI is NOT Inq or New account sensitive!! + mini spree

Gmood1 — Mon, 19 Jun 2017 22:28:22 GMT

Congrats! You guys must haven't noticed the seasoned member's comments about INQs? Lol
People here sometimes make way too much out of them as they do about the number of balances reporting.
I've seen multiple members with tons of INQs, get approved for CC's that were said to be unobtainable, with what is thought to be too many INQs.

Re: CITI is NOT Inq or New account sensitive!! + mini spree

Anonymous — Mon, 19 Jun 2017 22:33:06 GMT

@Gmood1 wrote:
Congrats! You guys must haven't noticed the seasoned member's comments about INQs? Lol
People here sometimes make way too much out of them as they do about the number of balances reporting.
I've seen multiple members with tons of INQs, get approved for CC's that were said to be unobtainable, with what is thought to be too many INQs.

I have seen those, but I have also seen posts that Citi is extremely INQ sensitive, in the past I also got a denial from them based solely on number of Inqs.

Re: CITI is NOT Inq or New account sensitive!! + mini spree

pip3man — Mon, 19 Jun 2017 22:34:49 GMT

Just because you were able to get it doesn't mean they are NOT inquiry or new account sensitive. Your approval with so many inquiries could be one of those isolated events because from first hand experience I know for a fact they are very inquiry sensitive and lots of other members can testify to that. Congrats on the approval though!

Re: CITI is NOT Inq or New account sensitive!! + mini spree

CreditCuriosity — Mon, 19 Jun 2017 22:38:47 GMT

I think it is profile and what cards whether they choose to be inquiry sensitive.. They give out the AA card like candy and believe it is easier than persay the DC. Just speculation, but seen alot of people get the AA card with huge amount of accounts/inquiries and not the best profiles.

Re: CITI is NOT Inq or New account sensitive!! + mini spree

Anonymous — Mon, 19 Jun 2017 22:41:37 GMT

@pip3man wrote:
Just because you were able to get it doesn't mean they are NOT inquiry or new account sensitive. Your approval with so many inquiries could be one of those isolated events because from first hand experience I know for a fact they are very inquiry sensitive and lots of other members can testify to that. Congrats on the approval though!

Hence my statement YMMV, and my statement "at least in my case"

Re: CITI is NOT Inq or New account sensitive!! + mini spree

Gmood1 — Mon, 19 Jun 2017 22:58:54 GMT

New accounts sensitive and INQs are two different things. I've been denied for too many new accounts several times.lol

I can't think of once that it was for INQs.

When you see the INQs part, it's mainly a generic response IME.

Re: CITI is NOT Inq or New account sensitive!! + mini spree

AverageJoesCredit — Mon, 19 Jun 2017 23:42:49 GMT

Ok , first off Tydawg, congrats

I know you are young ,lol, from your previous post. Im just curious, at your age and with your credit, what exactly are all those inquiries from? I know car shopping can have a shot gun approach but holy cow. The only ones ive seen with that many inqs have been people usually with very thick profiles. In your case with Sync, i think all those hps might have spooked them.

Again well done but please update, inquiring average minds wanna know

Re: CITI is NOT Inq or New account sensitive!! + mini spree

Anonymous — Tue, 20 Jun 2017 00:08:50 GMT

Congrats on the approval! I recently applied but I can say they are very sensitive to new accounts and inquiries because that was the exact reason that I was denied in the letter they sent to me.

Re: CITI is NOT Inq or New account sensitive!! + mini spree

Longroad — Mon, 31 Jul 2017 22:38:56 GMT

I know I am reviving a dead thread, but I just hung up the phone with a nice lady on recon from Citi. I just received my denial letter from my app about 10 days ago and the reason listed was "too many recent credit inquiries are recorded on your credit bureau report". After talking with her, I found out a couple of things: 1) apparently the inqs show up almost immediately to the lenders as opposed to how quickly we see them on your bureaus, 2) while it has been noted on this board that Citi is inq sensitive, it does not appear that it is the total amount of inqs, but more the timing of the inqs. I pushed the button on 6 apps that I had loaded in seperate windows well within a minute total (I think it was less) and apparently 2 inqs posted by the time they pulled my EX and the denial was immediate so they pulled then as well. She told me that the key word is "recent" and according to her it was within a 5 day period. So I don't think it's necessarily the number but the timing of the inqs. She also mentioned I could try again 90 days from my last app.

EX Fico 8 was 683, AAoA was 8.1, Util was 32%

Her only reason for the decline was the "recent" inqs, she never mentioned anything about util or anything else.

Hope this was some useful info and worth the revival of the thread.

Re: CITI is NOT Inq or New account sensitive!! + mini spree

Anonymous — Mon, 31 Jul 2017 23:35:13 GMT

@Longroad wrote:
I know I am reviving a dead thread, but I just hung up the phone with a nice lady on recon from Citi. I just received my denial letter from my app about 10 days ago and the reason listed was "too many recent credit inquiries are recorded on your credit bureau report". After talking with her, I found out a couple of things: 1) apparently the inqs show up almost immediately to the lenders as opposed to how quickly we see them on your bureaus, 2) while it has been noted on this board that Citi is inq sensitive, it does not appear that it is the total amount of inqs, but more the timing of the inqs. I pushed the button on 6 apps that I had loaded in seperate windows well within a minute total (I think it was less) and apparently 2 inqs posted by the time they pulled my EX and the denial was immediate so they pulled then as well. She told me that the key word is "recent" and according to her it was within a 5 day period. So I don't think it's necessarily the number but the timing of the inqs. She also mentioned I could try again 90 days from my last app.

EX Fico 8 was 683, AAoA was 8.1, Util was 32%

Her only reason for the decline was the "recent" inqs, she never mentioned anything about util or anything else.

Hope this was some useful info and worth the revival of the thread.

You bring up good points, I feel strongly now that my approval was an error, my theory is the online system was going through some sort of reboot and kicked my application to manual review or to a special bucket that overlooked the INQs and New accounts. I can't say for sure but I think I was probably supposed to be declined but hey I'm not complaining.

Re: CITI is NOT Inq or New account sensitive!! + mini spree

Anonymous — Mon, 31 Jul 2017 23:55:06 GMT

Just today, a little over 6 months since my last CLI, Citi sends me 3 letters from CLI attempts that were denied. They specifically say unable to offer me an increase because of recently opened accounts. Isn't this the same as inquiries?

Re: CITI is NOT Inq or New account sensitive!! + mini spree

Longroad — Tue, 01 Aug 2017 00:55:52 GMT

@Anonymous wrote:
Just today, a little over 6 months since my last CLI, Citi sends me 3 letters from CLI attempts that were denied. They specifically say unable to offer me an increase because of recently opened accounts. Isn't this the same as inquiries?

I would certainly think this is if not the same a very close cousin to inqs. If I may ask, how long since you have opened the new accounts?

Re: CITI is NOT Inq or New account sensitive!! + mini spree

Anonymous — Tue, 01 Aug 2017 01:10:48 GMT

It could be that just the AAdvantage is not inquiry sensitive and new account sensitive. I have 17 new accounts and 10 inquiries in last 6 months and was approved for 11500 On AAdvantage Platinum.

Re: CITI is NOT Inq or New account sensitive!! + mini spree

Anonymous — Tue, 01 Aug 2017 01:34:49 GMT

Longroad wrote:

I would certainly think this is if not the same a very close cousin to inqs. If I may ask, how long since you have opened the new accounts?

NFCU Cash Rewards 03/08/2017

CapOne Venture One 04/02/2017

Chase FU 05/02/2017

No more than 4 inquiries on each of the 3 reports.

Re: CITI is NOT Inq or New account sensitive!! + mini spree

Longroad — Tue, 01 Aug 2017 02:16:04 GMT

@Anonymous wrote:
@Longroad wrote:

I would certainly think this is if not the same a very close cousin to inqs. If I may ask, how long since you have opened the new accounts?
NFCU Cash Rewards 03/08/2017

CapOne Venture One 04/02/2017

Chase FU 05/02/2017

No more than 4 inquiries on each of the 3 reports.

That does not look good for my plan to reapply in 6 mos as I did manage to add 4 new accounts in my app spree of which Citi decided not to participate in.

Re: CITI is NOT Inq or New account sensitive!! + mini spree

Gregory1776 — Thu, 03 Aug 2017 02:51:19 GMT

@pip3man wrote:
Just because you were able to get it doesn't mean they are NOT inquiry or new account sensitive. Your approval with so many inquiries could be one of those isolated events because from first hand experience I know for a fact they are very inquiry sensitive and lots of other members can testify to that. Congrats on the approval though!

This. This is why i should stay in the garden and not apply for the DC......😎

Re: CITI is NOT Inq or New account sensitive!! + mini spree

Anonymous — Thu, 03 Aug 2017 15:54:28 GMT

Every single credit issue is a YMMV. The only thing consistent in the Credit world is Credit One sucks and We all miss the Hooters Card.

Besides that... congrats OP.

Re: CITI is NOT Inq or New account sensitive!! + mini spree

AverageJoesCredit — Thu, 03 Aug 2017 15:56:04 GMT

Wah WHAT??? A Hooters card? Who gave that, National Wildlife Preserve?