topic Re: Citi prestige in Credit Card Applications

Citi prestige

Anonymous — Sat, 14 May 2016 00:34:23 GMT

Hi everyone, Im new to the forum.

I recently applied for Amex SPG and Citi prestige. With credit score from EX 704. Only 8months credit history. Amex SPG instant approved (surprisingly, I was prepared to call them right after the application lol)

I currently have Chase freedom:$1000(09/2015) and CSP: $5000(01/2016) Amex Blue Cash Everyday: $2000(04/2016) and Amex SPG: $2000(05/2016) (Amex cards are not in my credit record yet, they are opened within a month)

Citi Prestige did not approve me instantly. I recieved an email, asking me to send in home phone bills, I dont have home phone at all. So I called them and asked them if I can send in bank statement to verify address, they gave me a fax number, and I faxed in with an app on my phone(who has fax machine at home?), Now im just waiting. Whats the odds of getting approved in this situation? If denied, does Citibank recon work at all?

Re: Citi prestige

Anonymous — Sat, 14 May 2016 00:50:49 GMT

Never had an issue with Citibank until now. I app'd for the Thank You Preferred and got a message that they had to verify me. I did this about a week ago. I also had some fraud on my Citi DC card recently so that could be the reason. I would see what they say and call again if they need more info. Fingers crossed for you!

Re: Citi prestige

Anonymous — Sat, 14 May 2016 01:00:57 GMT

Thanks

I hope when they need to verify the address, would mean that i would be approved with all other factors considered except the address.

Re: Citi prestige

Closingracer99 — Sat, 14 May 2016 01:16:34 GMT

I wasn't instantly approved for my AAdvantage, Hilton or premier cards and had to just verify it was me who appreciates for the card by answering some questions on the phone ... Got approved . Honesty I think they aren't going to bother asking you to verify if your reports say that you're a risk . No point of verifying than declining you solely based on your reports and history

Re: Citi prestige

Anonymous — Sat, 14 May 2016 01:18:21 GMT

Nice!! Im really excited

Re: Citi prestige

Anonymous — Sat, 14 May 2016 03:23:33 GMT

let us know if you get approved, it's a great card.

Re: Citi prestige

lord_kinbote — Sat, 14 May 2016 14:53:52 GMT

I think you should be fine. Good luck and let us know the outcome.

Re: Citi prestige

nitrov — Sat, 14 May 2016 15:36:07 GMT

@Anonymous wrote:
Hi everyone, Im new to the forum.
I recently applied for Amex SPG and Citi prestige. With credit score from EX 704. Only 8months credit history. Amex SPG instant approved (surprisingly, I was prepared to call them right after the application lol)
I currently have Chase freedom:$1000(09/2015) and CSP: $5000(01/2016) Amex Blue Cash Everyday: $2000(04/2016) and Amex SPG: $2000(05/2016) (Amex cards are not in my credit record yet, they are opened within a month)
Citi Prestige did not approve me instantly. I recieved an email, asking me to send in home phone bills, I dont have home phone at all. So I called them and asked them if I can send in bank statement to verify address, they gave me a fax number, and I faxed in with an app on my phone(who has fax machine at home?), Now im just waiting. Whats the odds of getting approved in this situation? If denied, does Citibank recon work at all?

I just got my Prestige in March. I was initally turned down due to 3 inqs the prior day from a mini spree for CLIs, I reconed via calling EO and got approved for $17.5k. Not sure how many recent inqs you have since you note you have some new Amex cards, but as long as you're under 3 inqs in 6 months, no other negative info on your credit, they should approve you after the address verification. No clue what they'd give you for CL, but $5k is minimum for Prestige. It's a great card, I love mine so far.

Re: Citi prestige

Anonymous — Sat, 14 May 2016 15:40:47 GMT

I had 5 inquiries in the past 6 months...

Re: Citi prestige

nitrov — Sat, 14 May 2016 15:57:26 GMT

@Anonymous wrote:
I had 5 inquiries in the past 6 months...

How many in the last 3 months?

Re: Citi prestige

Anonymous — Sat, 14 May 2016 15:59:01 GMT

2 in last three months

Re: Citi prestige

nitrov — Sat, 14 May 2016 23:57:47 GMT

@Anonymous wrote:
2 in last three months

you should be fine

Re: Citi prestige

Anonymous — Mon, 16 May 2016 21:28:50 GMT

Well, I called in today, and I was denied, she did not tell me any reason why I was denied, she kept telling me it will come in mail... I called back again after 10 mins to try another CSR, and reached the same person, kinda embarassing lol

what should I do now? Can anyone PM me the Executive office number?

Re: Citi prestige

nitrov — Mon, 16 May 2016 21:44:44 GMT

@Anonymous wrote:
Well, I called in today, and I was denied, she did not tell me any reason why I was denied, she kept telling me it will come in mail... I called back again after 10 mins to try another CSR, and reached the same person, kinda embarassing lol
what should I do now? Can anyone PM me the Executive office number?

I would wait until you get the decline reason in the mail. The EO number is in the backdoor numbers thread. I'm not sure why they'd deny you after providing address verification...keep us posted.

Re: Citi prestige

Anonymous — Mon, 16 May 2016 21:52:01 GMT

Haha, im very impatient, I called to the EO, and the lady told me that she will send an email, and call me back tomorrow.

if i cant get this card, I will probably try Amex Platinum because im going to travel a lot from June for a year. (40,000 mr seems too low compared to 100,000 few days ago that i missed, so i was looking for another offer like this to come up and apply with higher bonus. )

Re: Citi prestige

nitrov — Mon, 16 May 2016 21:59:36 GMT

ah, well good luck. hope it works out for you

Re: Citi prestige

Anonymous — Mon, 16 May 2016 23:02:39 GMT

thanks