topic Re: Citi DC Initial CL Recon - Denied in Credit Card Applications

Citi DC Initial CL Recon - Denied

js0319 — Wed, 12 Nov 2014 02:41:05 GMT

I requested and increase from $3.6k to $25k, hoping for a counter-offer. That didn't happen. I got a flat-out denial, and they stated they wanted to see history on the card first. How long does it usually take to get a SP CLI, and how much do I need to run through the card?

Re: Citi DC Initial CL Recon - Denied

chalupaman — Wed, 12 Nov 2014 02:44:29 GMT

Sometimes the site will have an option where you can request a CLI without any credit report requested. You just have to check on that every once in a while. I forgot when I first started getting that message though but it was well before my card even turned a year old. If you're successful with that, you have to wait six months or so to be able to actually apply for another CLI without as much of a chance of getting denied.

Re: Citi DC Initial CL Recon - Denied

FinStar — Wed, 12 Nov 2014 03:55:09 GMT

@js0319 wrote:
I requested and increase from $3.6k to $25k, hoping for a counter-offer. That didn't happen. I got a flat-out denial, and they stated they wanted to see history on the card first. How long does it usually take to get a SP CLI, and how much do I need to run through the card?

If your account is elegible, 6 months would be the earliest timeframe to see if it qualifies via SP. Use it well and frequently so you can establish some internal history with the card.

Re: Citi DC Initial CL Recon - Denied

Creditaddict — Wed, 12 Nov 2014 15:45:11 GMT

@js0319 wrote:
I requested and increase from $3.6k to $25k, hoping for a counter-offer. That didn't happen. I got a flat-out denial, and they stated they wanted to see history on the card first. How long does it usually take to get a SP CLI, and how much do I need to run through the card?

did you do this online and sent for manual review and it came back denied with no counter?

Re: Citi DC Initial CL Recon - Denied

uswala — Wed, 12 Nov 2014 16:00:56 GMT

@chalupaman wrote:
Sometimes the site will have an option where you can request a CLI without any credit report requested. You just have to check on that every once in a while. I forgot when I first started getting that message though but it was well before my card even turned a year old. If you're successful with that, you have to wait six months or so to be able to actually apply for another CLI without as much of a chance of getting denied.

I got that within 2 days of opening my new DC account. When I activated the card I asked for a CLI and they approved with HP, but considering the SP CLI option I asked for a CLI again and they denied me saying I need to wait 6 months for another CLI.

Re: Citi DC Initial CL Recon - Denied

baller4life — Wed, 12 Nov 2014 16:21:19 GMT

Who do they pull for cli? EQ?

Re: Citi DC Initial CL Recon - Denied

Creditaddict — Wed, 12 Nov 2014 16:24:55 GMT

@baller4life wrote:
Who do they pull for cli? EQ?

Re: Citi DC Initial CL Recon - Denied

baller4life — Wed, 12 Nov 2014 16:37:13 GMT

Yeah that's who they pulled for my initial approval. I'll be requesting a cli as soon as I get it. Stalking the mailman

Re: Citi DC Initial CL Recon - Denied

uswala — Wed, 12 Nov 2014 18:05:58 GMT

They pulled EQ and EX for my app and then EQ again for the CLI.

Re: Citi DC Initial CL Recon - Denied

chalupaman — Wed, 12 Nov 2014 18:59:55 GMT

Here where I live its EX for Hp clis and EQ for SP CLIs.

Re: Citi DC Initial CL Recon - Denied

FinStar — Wed, 12 Nov 2014 22:25:24 GMT

@Creditaddict wrote:
@baller4life wrote:
Who do they pull for cli? EQ?
TU

Mine was EQ, not TU, for SP CLI a while back.

Re: Citi DC Initial CL Recon - Denied

js0319 — Thu, 13 Nov 2014 03:29:42 GMT

I saw my denial letter online under my documents. It stated I needed at least 6 months of history before I would be eligible. So, I can only assume that those that have had success have previous history and current accounts with Citi. I'll try at 6 months. Does Citi like PIF or carrying a balance? With 0% APR for 15 months, I'm not too worried about carrying a balance if I need to.

Re: Citi DC Initial CL Recon - Denied

Anonymous — Thu, 13 Nov 2014 03:30:57 GMT

@js0319 wrote:
I saw my denial letter online under my documents. It stated I needed at least 6 months of history before I would be eligible. So, I can only assume that those that have had success have previous history and current accounts with Citi. I'll try at 6 months. Does Citi like PIF or carrying a balance? With 0% APR for 15 months, I'm not too worried about carrying a balance if I need to.

I'd assume they all like PIF.

Re: Citi DC Initial CL Recon - Denied

FinStar — Thu, 13 Nov 2014 03:36:51 GMT

@js0319 wrote:
I saw my denial letter online under my documents. It stated I needed at least 6 months of history before I would be eligible. So, I can only assume that those that have had success have previous history and current accounts with Citi. I'll try at 6 months. Does Citi like PIF or carrying a balance? With 0% APR for 15 months, I'm not too worried about carrying a balance if I need to.

I PIF with Citi and it's never hindered any auto-CLIs or SP CLIs. Other folks have carried balances and still were elegible for SP CLIs during their intro period. Bottom line, as long as you manage the account responsibly, keep your utilization in check and make all your payments on time then you should be good. Make sure your credit profile doesn't slide/deteriorate or rack up a lot of inquiries/new accounts in the process since that will only hinder those efforts.

Re: Citi DC Initial CL Recon - Denied

Creditaddict — Thu, 13 Nov 2014 03:38:12 GMT

NO, my friend has never had a citi card before and was approve for $3400 or $4400 I forget but I got him to put in a cli request for $15k and never morning his cli was approved for full amount.
And if you look back to when citi dc was released the board has many posts of others asking for immediate cli when they receive card and getting them.

Re: Citi DC Initial CL Recon - Denied

js0319 — Thu, 13 Nov 2014 03:41:41 GMT

@FinStar wrote:
@js0319 wrote:
I saw my denial letter online under my documents. It stated I needed at least 6 months of history before I would be eligible. So, I can only assume that those that have had success have previous history and current accounts with Citi. I'll try at 6 months. Does Citi like PIF or carrying a balance? With 0% APR for 15 months, I'm not too worried about carrying a balance if I need to.
I PIF with Citi but it's never hindered any auto-CLIs or SP CLIs. Other folks have carried balances and still were elegible for SP CLIs during their intro period. Bottom line, as long as you manage the account responsibly, keep your utilization in check and make all your payments on time then you should be good. Make sure your credit profile doesn't slide/deteriorate or rack up a lot of inquiries/new accounts in the process since that will only hinder those efforts.

Yes. Between my wife and I, we're definitely in full garden mode. We've picked up a combined total of $57,150 in additional CL's over the last 3 months.

Re: Citi DC Initial CL Recon - Denied

js0319 — Thu, 13 Nov 2014 03:43:25 GMT

@Creditaddict wrote:
NO, my friend has never had a citi card before and was approve for $3400 or $4400 I forget but I got him to put in a cli request for $15k and never morning his cli was approved for full amount.
And if you look back to when citi dc was released the board has many posts of others asking for immediate cli when they receive card and getting them.

Yeah, I wasn't so lucky.

Re: Citi DC Initial CL Recon - Denied

FinStar — Thu, 13 Nov 2014 03:46:47 GMT

@js0319 wrote:
@Creditaddict wrote:
NO, my friend has never had a citi card before and was approve for $3400 or $4400 I forget but I got him to put in a cli request for $15k and never morning his cli was approved for full amount.
And if you look back to when citi dc was released the board has many posts of others asking for immediate cli when they receive card and getting them.
Yeah, I wasn't so lucky.

Not to worry, all is not lost. You will get the oppotunity and before you know it 6 months will be up!

Re: Citi DC Initial CL Recon - Denied

js0319 — Thu, 13 Nov 2014 11:35:14 GMT

As of Thursday morning, I have yet to receive any alerts for HP's. I guess they didn't, even though I authorized.

Re: Citi DC Initial CL Recon - Denied

Anonymous — Fri, 14 Nov 2014 02:46:33 GMT

@uswala wrote:
They pulled EQ and EX for my app and then EQ again for the CLI

+1 same here