topic Re: Chasing 2% Citi DC Declined - PayPal Mastercad 2X Approved in Credit Card Approvals

Chasing 2% Citi DC Declined - PayPal Mastercad 2X Approved

Anonymous — Fri, 26 Jan 2018 03:21:57 GMT

New Year New Cards.. Means Get out of the Garden and app..

Tried Citi DC and was instantly denied! Reason Letter coming soon.

Then I tried PayPal 2X Mastercard with Synchrony Bank and was instantly approved for 6K.

These are cold app.. No Prequal.. Except PayPal has been annoying me on the PayPal Credit with Commenity.

Re: Chasing 2% Citi DC Declined - PayPal Mastercad 2X Approved

Anonymous — Fri, 26 Jan 2018 13:12:45 GMT

It can be difficult to crack the Citi DC nut.

Congrats on your PayPal 2% approval.

Which bureau did Citi pull? I’m assuming the PayPal 2% card was TU because it’s backed by Synch.

Re: Chasing 2% Citi DC Declined - PayPal Mastercad 2X Approved

Anonymous — Fri, 26 Jan 2018 09:21:20 GMT

Congrats on your approval.. Citi is really hard to crack.

Re: Chasing 2% Citi DC Declined - PayPal Mastercad 2X Approved

AverageJoesCredit — Fri, 26 Jan 2018 13:08:21 GMT

Congrats on very nice sl on PP i have same problem, always want me to apply for the 2% card. I would but i hsve enough Sync cards so maybe later. DC will be yours one day. Try hoing 6 months no apps and see if that helps

Re: Chasing 2% Citi DC Declined - PayPal Mastercad 2X Approved

Anonymous — Fri, 26 Jan 2018 13:13:24 GMT

wrote:
It can be difficult to crack the Citi DC nut.

Congrats on your PayPal 2% approval.

Which bureau did Citi pull? I’m assuming the PayPal 2% card was TU because it’s back by Synch.

Citi pulled Experian and Yes, Synchrony pulled TU.

Re: Chasing 2% Citi DC Declined - PayPal Mastercad 2X Approved

Anonymous — Fri, 26 Jan 2018 13:17:12 GMT

wrote:
Congrats on very nice sl on PP i have same problem, always want me to apply for the 2% card. I would but i hsve enough Sync cards so maybe later. DC will be yours one day. Try hoing 6 months no apps and see if that helps

Don't know if I should try again since I accomplished what I wanted (chasing 2%) in the PP approval. If Citi does not want my business that's fine.. I still have my Citi Diamond that graduated from Secured last yr.

Re: Chasing 2% Citi DC Declined - PayPal Mastercad 2X Approved

Anonymous — Fri, 26 Jan 2018 16:14:30 GMT

wrote:
wrote:
Congrats on very nice sl on PP i have same problem, always want me to apply for the 2% card. I would but i hsve enough Sync cards so maybe later. DC will be yours one day. Try hoing 6 months no apps and see if that helps
Don't know if I should try again since I accomplished what I wanted (chasing 2%) in the PP approval. If Citi does not want my business that's fine.. I still have my Citi Diamond that graduated from Secured last yr.

Question, would Citi p/c your Citi Diamond to the Citi DC? Way more use and a long term benefit!

Re: Chasing 2% Citi DC Declined - PayPal Mastercad 2X Approved

kdm31091 — Fri, 26 Jan 2018 16:50:52 GMT

wrote:
wrote:
wrote:
Congrats on very nice sl on PP i have same problem, always want me to apply for the 2% card. I would but i hsve enough Sync cards so maybe later. DC will be yours one day. Try hoing 6 months no apps and see if that helps
Don't know if I should try again since I accomplished what I wanted (chasing 2%) in the PP approval. If Citi does not want my business that's fine.. I still have my Citi Diamond that graduated from Secured last yr.
Question, would Citi p/c your Citi Diamond to the Citi DC? Way more use and a long term benefit!

This....I would just call Citi and ask for a PC. Typically the Diamond card is easy to PC to a Double Cash, many success reports.

Re: Chasing 2% Citi DC Declined - PayPal Mastercad 2X Approved

Anonymous — Fri, 26 Jan 2018 17:32:23 GMT

wrote:
wrote:
wrote:
wrote:
Congrats on very nice sl on PP i have same problem, always want me to apply for the 2% card. I would but i hsve enough Sync cards so maybe later. DC will be yours one day. Try hoing 6 months no apps and see if that helps
Don't know if I should try again since I accomplished what I wanted (chasing 2%) in the PP approval. If Citi does not want my business that's fine.. I still have my Citi Diamond that graduated from Secured last yr.
Question, would Citi p/c your Citi Diamond to the Citi DC? Way more use and a long term benefit!
This....I would just call Citi and ask for a PC. Typically the Diamond card is easy to PC to a Double Cash, many success reports.

Interesting.. If I succeed, I am going to get pissed as I wasted an HP for the app.

Re: Chasing 2% Citi DC Declined - PayPal Mastercad 2X Approved

Anonymous — Fri, 26 Jan 2018 18:00:21 GMT

OMG!! I am so pissed right now.. I just called Citi and they are letting me convert my Citi Diamond to the Citi DC!! Arghhh!! What a waste of HP that brought my EX to minus 2 points.

Lesson learned.. Need to be more patient next time and do more research.

Re: Chasing 2% Citi DC Declined - PayPal Mastercad 2X Approved

Anonymous — Fri, 26 Jan 2018 18:05:28 GMT

On the bright side, the PayPal limit is significantly higher which should give you more room to make purchase without fully utilizing your CL. (Your Citi Preferred looks like it’s at $450.). Also, the PayPal is 2% regardless whereas the DC is 1% then another 1% after the purchase is paid off. If you always pay in full, then they’re virtually the same. They both get SP CLI so that’s a wash.

I’m just trying to help you see the silver lining.

Re: Chasing 2% Citi DC Declined - PayPal Mastercad 2X Approved

Anonymous — Fri, 26 Jan 2018 18:20:58 GMT

wrote:
On the bright side, the PayPal limit is significantly higher which should give you more room to make purchase without fully utilizing your CL. (Your Citi Preferred looks like it’s at $450.). Also, the PayPal is 2% regardless whereas the DC is 1% then another 1% after the purchase is paid off. If you always pay in full, then they’re virtually the same. They both get SP CLI so that’s a wash.

I’m just trying to help you see the silver lining.

Yeah, Citi Secured $200 graduated last yr and converted to Diamond Preferred. Got back my $200 Deposit they gave me an auto CLI bump of an extra $250 making it $450. I was going to cancel it but thought I will keep it to build a great relationship with Citi in which resulted to bunch of other Citi Cards Prequal Mailer and just not the DC.

Thanks for the encouragement though..

Re: Chasing 2% Citi DC Declined - PayPal Mastercad 2X Approved

Anonymous — Sat, 27 Jan 2018 15:20:02 GMT

Happy and Upset at the same time..

Was able to succefully convert my Citi Diamond Preferred to the Citi DC. Yay!

Nay, that I got denied for apping and wasted an HP. Oh well.. Just appreciate the task accomplished..

Thanks All.. and also Shout Out to PayPal.. lol

Re: Chasing 2% Citi DC Declined - PayPal Mastercad 2X Approved

Anonymous — Sat, 27 Jan 2018 15:26:25 GMT

wrote:
Happy and Upset at the same time..

Was able to succefully convert my Citi Diamond Preferred to the Citi DC. Yay!

Nay, that I got denied for apping and wasted an HP. Oh well.. Just appreciate the task accomplished..

Thanks All.. and also Shout Out to PayPal.. lol

Congratulations to you on your perserverance! Plus kudos for using the forum. Peeps here know the answers because some of us have had the same experiences on just about any question that can be asked.

Re: Chasing 2% Citi DC Declined - PayPal Mastercad 2X Approved

Legal_Girl — Sun, 28 Jan 2018 05:13:40 GMT

On the bright side, Citi DC is so much better than the Diamond, in my opinion.

Re: Chasing 2% Citi DC Declined - PayPal Mastercad 2X Approved

Gregory1776 — Sun, 28 Jan 2018 21:51:00 GMT

Did you consider the PenFed Power Cash Rewards? 2% back, but you need 500 in the checking,....

Re: Chasing 2% Citi DC Declined - PayPal Mastercad 2X Approved

Anonymous — Mon, 29 Jan 2018 17:51:55 GMT

wrote:
Did you consider the PenFed Power Cash Rewards? 2% back, but you need 500 in the checking,....

I am with PenFed and I have the Visa Premium Rewards Card with SL 8.5K

Penfed had shut me down though... I spoke to an analyst and they told me they had given me the max line based on my income.. Not even a CLI consideration, they said for me to grow my limit my income needs to increase. I also did this when I had 0% utilization reporting.

Still love em though.. The easiest Card service to deal with..

Re: Chasing 2% Citi DC Declined - PayPal Mastercad 2X Approved

Anonymous — Mon, 29 Jan 2018 19:24:13 GMT

I'm not sure if you're familiar with Blispay, but they offer an awesome card! I've currently had the card for about 4 months now. It offers 2% cashback on all purchases, no limit, and also provides 0% APR promotional purchases if paid in full at the end of 6-months of purchases over $199. So far I have not had any issues with this card, but I've heard that it is not very easy to get an increase on the card.

Re: Chasing 2% Citi DC Declined - PayPal Mastercad 2X Approved

Gregory1776 — Mon, 29 Jan 2018 23:28:31 GMT

WHAT? That sucks man! Bummer, if you don’t mind me asking, what did you tell them your income was?

Re: Chasing 2% Citi DC Declined - PayPal Mastercad 2X Approved

Gregory1776 — Mon, 29 Jan 2018 23:29:17 GMT

wrote:
wrote:
Did you consider the PenFed Power Cash Rewards? 2% back, but you need 500 in the checking,....
I am with PenFed and I have the Visa Premium Rewards Card with SL 8.5K

Penfed had shut me down though... I spoke to an analyst and they told me they had given me the max line based on my income.. Not even a CLI consideration, they said for me to grow my limit my income needs to increase. I also did this when I had 0% utilization reporting.

Still love em though.. The easiest Card service to deal with..

Also, did they want tax information? To prove your income?