topic Re: Successful Citi Recon NO Credit History! in Credit Card Approvals

Successful Citi Recon NO Credit History!

Anonymous — Mon, 21 Apr 2014 19:57:31 GMT

Feeling kind of cool as I know Citi is one of the harder Recon's. Originally applied for the Citi Forward card for Students a few weks ago. I'm not really sure how because now the application is completely gone and the card discontinued. Anyway, was denied for lack of credit. Called for regular Recon, still denied. Called back, still denied. Applied for the Citi Divdend for College Students, denied for too many inquiries.

Finally contacted the Executive Response Unit and worked personally with someone who informed me that the computer automatically denied my application and it was never even really looked at. He didn't understand why it was denied. Forwarded my application to the President's Office or something like that who advised him that if I submitted documentation they would entertain re-reviewing my application.

Submitted Utility Bill, Proof of Income, and Proof of enrollment. Was approved today with an intial CL of 1k and NO credit history at all. Not a bad limit at all considering I just turned 18 a month ago and the card is unsecured.

I've also been approved for the Discover it $500, and the Capital One Journey $300.

Headed to the Garden! Woooohoooo!

Re: Successful Citi Recon NO Credit History!

gdale6 — Mon, 21 Apr 2014 20:17:18 GMT

Grats to your success

Re: Successful Citi Recon NO Credit History!

pip3man — Mon, 21 Apr 2014 20:41:32 GMT

@Anonymous wrote:
Feeling kind of cool as I know Citi is one of the harder Recon's. Originally applied for the Citi Forward card for Students a few weks ago. I'm not really sure how because now the application is completely gone and the card discontinued. Anyway, was denied for lack of credit. Called for regular Recon, still denied. Called back, still denied. Applied for the Citi Divdend for College Students, denied for too many inquiries.

Finally contacted the Executive Response Unit and worked personally with someone who informed me that the computer automatically denied my application and it was never even really looked at. He didn't understand why it was denied. Forwarded my application to the President's Office or something like that who advised him that if I submitted documentation they would entertain re-reviewing my application.

Submitted Utility Bill, Proof of Income, and Proof of enrollment. Was approved today with an intial CL of 1k and NO credit history at all. Not a bad limit at all considering I just turned 18 a month ago and the card is unsecured.

I've also been approved for the Discover it $500, and the Capital One Journey $300.

Headed to the Garden! Woooohoooo!

hey pls could you please PM the number/email to the Executive Response Unit... I'll be applying for a Citi Card in a few weeks and I wanna have that ready just in case my application is declined. Thanks much

Re: Successful Citi Recon NO Credit History!

-Wade- — Mon, 21 Apr 2014 21:19:02 GMT

@Anonymous wrote:
Feeling kind of cool as I know Citi is one of the harder Recon's. Originally applied for the Citi Forward card for Students a few weks ago. I'm not really sure how because now the application is completely gone and the card discontinued. Anyway, was denied for lack of credit. Called for regular Recon, still denied. Called back, still denied. Applied for the Citi Divdend for College Students, denied for too many inquiries.

Finally contacted the Executive Response Unit and worked personally with someone who informed me that the computer automatically denied my application and it was never even really looked at. He didn't understand why it was denied. Forwarded my application to the President's Office or something like that who advised him that if I submitted documentation they would entertain re-reviewing my application.

Submitted Utility Bill, Proof of Income, and Proof of enrollment. Was approved today with an intial CL of 1k and NO credit history at all. Not a bad limit at all considering I just turned 18 a month ago and the card is unsecured.

I've also been approved for the Discover it $500, and the Capital One Journey $300.

Headed to the Garden! Woooohoooo!

Congrats on your aprovals

Re: Successful Citi Recon NO Credit History!

alvon123 — Mon, 21 Apr 2014 21:58:02 GMT

congrats

Re: Successful Citi Recon NO Credit History!

coldnmn — Tue, 22 Apr 2014 10:51:41 GMT

Congrats! Thanks for sharing.

Re: Successful Citi Recon NO Credit History!

Anonymous — Sun, 27 Apr 2014 18:32:24 GMT

Congrats on starting your journey in credit!

Re: Successful Citi Recon NO Credit History!

Anonymous — Mon, 28 Apr 2014 01:48:19 GMT

Thanks everyone!

Re: Successful Citi Recon NO Credit History!

chalupaman — Mon, 28 Apr 2014 01:54:46 GMT

I never got denied for the card but I also had to call them to verify the same kind of information and also got a $1K credit limit back in September of last year but for the Forward card. Congrats! I also have the same credit limit on my Discover IT card.

Re: Successful Citi Recon NO Credit History!

Kenny — Mon, 28 Apr 2014 02:18:22 GMT

Congrats! You chose great cards! They will grow with you as you grow in your credit journey. 2 of them offer HP CLIs but are not necessary since they also grand SP CLIs. The 3rd only offers sp CLIs. Excellent choices! All you need now is to get your MSD set for Amex... this can be done in 6 months or in December of this year if you want to garden for a while -- that would yield best results.

Super happy for you!

Re: Successful Citi Recon NO Credit History!

Anonymous — Mon, 28 Apr 2014 02:31:07 GMT

Amateur question, I know LOL, but what exactly is a MSD?

Re: Successful Citi Recon NO Credit History!

mnavas — Mon, 28 Apr 2014 04:29:48 GMT

@Anonymous wrote:
Amateur question, I know LOL, but what exactly is a MSD?

It stands for Membership Since Date. Meaning that the year you get your membership will be used to backdate the following new cards you get through AMEX/Centurion Bank

Re: Successful Citi Recon NO Credit History!

B335is — Mon, 28 Apr 2014 05:02:37 GMT

@Anonymous wrote:
Feeling kind of cool as I know Citi is one of the harder Recon's. Originally applied for the Citi Forward card for Students a few weks ago. I'm not really sure how because now the application is completely gone and the card discontinued. Anyway, was denied for lack of credit. Called for regular Recon, still denied. Called back, still denied. Applied for the Citi Divdend for College Students, denied for too many inquiries.

Finally contacted the Executive Response Unit and worked personally with someone who informed me that the computer automatically denied my application and it was never even really looked at. He didn't understand why it was denied. Forwarded my application to the President's Office or something like that who advised him that if I submitted documentation they would entertain re-reviewing my application.

Submitted Utility Bill, Proof of Income, and Proof of enrollment. Was approved today with an intial CL of 1k and NO credit history at all. Not a bad limit at all considering I just turned 18 a month ago and the card is unsecured.

I've also been approved for the Discover it $500, and the Capital One Journey $300.

Headed to the Garden! Woooohoooo!

Congrats on the approval, your hard work paid off. Did you wait for your denial letter before engaging the Executive Response Unit?

Re: Successful Citi Recon NO Credit History!

Anonymous — Mon, 28 Apr 2014 06:02:06 GMT

Yes, almost two weeks later after two prior Recon's I finally decided to contact the ERU instead. They informed me that I should have never been denied in the first place.