topic 7-10 day message for Citi Premiere? - Update: Approved in Credit Card Approvals

7-10 day message for Citi Premiere? - Update: Approved

Anonymous — Wed, 15 Aug 2018 15:06:12 GMT

So I applied for the Citi Thank u premier card yesterday evening and I got the “we’re still reviewing your application” message.

Now this is the first time I have gotten a message like this on an application. Normally, I get either instantly approved or instantly denied. I kinda thought I would get instantly denied for this anyways but I figured I’ll test my luck before I head to the garden.

I’ve had 9 new accounts this year alone so I certainly wasn’t super confident regardless. However, I only have 7 new accounts reporting as of now.

Utilization is below 9% with over 100k total credit. My last late was 3 years and 6 months ago (student loans). Citi pulled Transunion (714) and Experian (690). I think I have 4 recent inquiries in the last 6 months on Experian and Transunion.

What should I expect? I’ve called and they told me I have to wait a week for a decision which is strange to me. It almost makes me feel as if I actually have a chance of getting the card.

Re: 7-10 day message for Citi Premiere?

Anonymous — Thu, 09 Aug 2018 23:18:36 GMT

I think you still have a chance. It is my experience that Citi will usually outright deny if they see something they don’t like with your profile. It could be verification-related, or your profile could be borderline for approval.

When I got the 7-10 day message on my DC app a couple weeks ago, I had success by calling 1-800-695-5171.

Good luck!

Re: 7-10 day message for Citi Premiere?

Anonymous — Fri, 10 Aug 2018 01:19:11 GMT

@Anonymous wrote:
I think you still have a chance. It is my experience that Citi will usually outright deny if they see something they don’t like with your profile. It could be verification-related, or your profile could be borderline for approval.

When I got the 7-10 day message on my DC app a couple weeks ago, I had success by calling 1-800-695-5171.

Good luck!

Well I did call the application inquiry number and spoke to a senior specialist. He basically asked me to verify my info, and told me they would get back to me in a week from email or phone with decision. So maybe if I do get declined, the reason wouldn’t be because of new accounts/inquries? It seems like their system would had instantly denied me if that was the case but who knows.

so I guess I’ll just wait it out and see! This is the most drawn out approval/denial I have ever been through lol

Re: 7-10 day message for Citi Premiere?

Anonymous — Sat, 11 Aug 2018 03:21:45 GMT

My husband just applied for this, received that message then received an approval email within about 30 minutes iirc.

Re: 7-10 day message for Citi Premiere?

Anonymous — Tue, 14 Aug 2018 10:55:18 GMT

So still no decision has been made in my application after almost a week. Any ideas on what I should do? I called them yesterday and the lady said the UW specialist will try to get to my app by the end of the day (yesterday) but still nothing.

I wonder what’s taken them so long

Re: 7-10 day message for Citi Premiere?

Gmood1 — Tue, 14 Aug 2018 12:30:59 GMT

I've received the same message at least twice from Citi. Both times I called in and was transferred to a UW.
Both times I received an approval.

I don't understand why it's taking them so long to get back to you.

Re: 7-10 day message for Citi Premiere?

Anonymous — Tue, 14 Aug 2018 14:09:01 GMT

Me either! The lady said that they have been backup up but I still don’t understand it either. I will call back later on today to see if I can be transferred to a UW specialist.

Re: 7-10 day message for Citi Premiere?

FinStar — Tue, 14 Aug 2018 15:08:28 GMT

OP, some applications require additional processing or verification plus if there's any spikes or increased volumes then that may be the case.

I had a similar situation last summer with an Expedia application. The whole process took about a week and a half.

Although, IME, due to the large exposure I have with Citi, a senior UW needed to sign off on the approval. I simply let it go through its paces (didn't need to check that often) and continued with daily living. I eventually received an email with the approval.

Bottom line, you'll hear from them sooner than later on the status of the application.

Re: 7-10 day message for Citi Premiere?

Anonymous — Tue, 14 Aug 2018 23:12:12 GMT

@FinStar wrote:
OP, some applications require additional processing or verification plus if there's any spikes or increased volumes then that may be the case.

I had a similar situation last summer with an Expedia application. The whole process took about a week and a half.

Although, IME, due to the large exposure I have with Citi, a senior UW needed to sign off on the approval. I simply let it go through its paces (didn't need to check that often) and continued with daily living. I eventually received an email with the approval.

Bottom line, you'll hear from them sooner than later on the status of the application.

Ok thanks. I’ll just wait it out and see what Happens from there.

Re: 7-10 day message for Citi Premiere?

Anonymous — Wed, 15 Aug 2018 12:39:56 GMT

Update!

literally a week later I got the email sayin I was approved for 4200! I wasn’t expecting to be approved but I’ll definitely take it lol

Re: 7-10 day message for Citi Premiere?

xaximus — Wed, 15 Aug 2018 15:39:37 GMT

Congrats on the approval! Use it wisely and it's a card that can definitely grow with you (albeit slowly at times.)

Re: 7-10 day message for Citi Premiere?

Anonymous — Wed, 15 Aug 2018 16:26:56 GMT

Congrats on your approval and very nice SL !!!!

Re: 7-10 day message for Citi Premiere?

Anonymous — Wed, 15 Aug 2018 22:59:37 GMT

@Anonymous wrote:
Update!

literally a week later I got the email sayin I was approved for 4200! I wasn’t expecting to be approved but I’ll definitely take it lol

Congrats on the approval!

Re: 7-10 day message for Citi Premiere?

Anonymous — Fri, 02 Nov 2018 19:19:50 GMT

I had this same issue after applying for the Citi DC card. My issue was related to just having moved. My autofill mismatched info and put the wrong zip and state in. I realized what happened as soon as i hit submit and called to correct the issue. Obviously my mistake, but the person on the other line didn't verify the state and i only saw the zip at the time. After about 8 days another rep called to review the app and after fixing the state I was approved. Then another 5 days to get the card. So if you've had any changes or say multiple addresses it may be worth calling them and reviewing the entire application over the phone.

Re: 7-10 day message for Citi Premiere?

Anonymous — Fri, 02 Nov 2018 19:30:15 GMT

@Anonymous wrote:
Update!

literally a week later I got the email sayin I was approved for 4200! I wasn’t expecting to be approved but I’ll definitely take it lol

Congrats.