topic Re: Citi Secured With Bk Help in Credit Card Applications

Citi Secured With Bk Help

Anonymous — Wed, 11 Jan 2017 21:47:23 GMT

I applied for the citi secured on 1/4/17 and it went into a further processing is required. On monday i called to see what was going on and i was told that a letter was sent asking for more information. Sure enough i received a letter later that day which stated that they wanted a recent bank deposit statement. I printed it out and took it to the post office the following morning (yesterday1/10/17). This morning i check the status and it says that i have been denied and that i will receive a letter in the mail with the reason why. My concern is that there is no way that letter got to South Dakota from California that fast and they made a decision that quick. do you think i was denied just for calling? what should i do? any help is greatly appreciated.

Re: Citi Secured With Bk Help

Anonymous — Sun, 15 Jan 2017 21:36:50 GMT

I would call them back and ask if they received the requested documents. I wouldn't mention the "denial".....just pick up where you last left off.

Re: Citi Secured With Bk Help

nolamike — Mon, 16 Jan 2017 00:41:50 GMT

flako

Pardon me if I appear stupid or nosy, but is the Citi secured you applied for a "secured card" or some branded card I don't know about?

The reason I ask is because your accounts in your signature seem off the charts to be applying for a "secured card". Is it some sort of strategy?

thanks

Mike

Re: Citi Secured With Bk Help

Anonymous — Mon, 16 Jan 2017 01:05:57 GMT

Citi legacy cards can be difficult to get with BK on your reports. Therefore, some BK'rs will get the citi secured card as a way "in" with Citibank. It unsecured after 18 months.

Citi retail cards are easier to get but doesn't necessarily lead to an easier path to the legacy cards.

Re: Citi Secured With Bk Help

nolamike — Mon, 16 Jan 2017 01:20:05 GMT

wow thanks

good information to know!

I appreciate it!

Mike

Re: Citi Secured With Bk Help

sjt — Mon, 16 Jan 2017 17:06:05 GMT

@Anonymous wrote:
I applied for the citi secured on 1/4/17 and it went into a further processing is required. On monday i called to see what was going on and i was told that a letter was sent asking for more information. Sure enough i received a letter later that day which stated that they wanted a recent bank deposit statement. I printed it out and took it to the post office the following morning (yesterday1/10/17). This morning i check the status and it says that i have been denied and that i will receive a letter in the mail with the reason why. My concern is that there is no way that letter got to South Dakota from California that fast and they made a decision that quick. do you think i was denied just for calling? what should i do? any help is greatly appreciated.

The denial in their system could have been an error on their part. I would call them.

Keep us posted.

Re: Citi Secured With Bk Help

Anonymous — Mon, 16 Jan 2017 19:53:41 GMT

@nolamike yes the card i applied for was a secured card just to try and get in with citi on the legacy side.

@justagirl i haven't called but i just checked their app status online and it went back to pending for further review so i hope its a good sign. Hopefully they dont double pull my credit.

Re: Citi Secured With Bk Help

bk510 — Fri, 20 Jan 2017 05:54:21 GMT

@Anonymous wrote:
@nolamike yes the card i applied for was a secured card just to try and get in with citi on the legacy side.

@Anonymous i haven't called but i just checked their app status online and it went back to pending for further review so i hope its a good sign. Hopefully they dont double pull my credit.

I am trying to do the same. In my case Citi was included in my BK7(discharged 6/2012).

Apped 1/15 and I see that my deposit was taken 1/17 and status still shows further review.

I don't believe having my deposit taken is a sign of an automatic approval as I heard from other members say thats the 1st thing they do is take your money and mail back your check once they realize that you won't be approved.

Hoping for the best....On a side note, I also apped for BCE and it was instantly denied(yep burned them too).I just had to find out on my own.

Re: Citi Secured With Bk Help

sjt — Fri, 20 Jan 2017 17:58:46 GMT

@bk510 wrote:
@Anonymous wrote:
@nolamike yes the card i applied for was a secured card just to try and get in with citi on the legacy side.

@Anonymous i haven't called but i just checked their app status online and it went back to pending for further review so i hope its a good sign. Hopefully they dont double pull my credit.
I am trying to do the same. In my case Citi was included in my BK7(discharged 6/2012).
Apped 1/15 and I see that my deposit was taken 1/17 and status still shows further review.
I don't believe having my deposit taken is a sign of an automatic approval as I heard from other members say thats the 1st thing they do is take your money and mail back your check once they realize that you won't be approved.
Hoping for the best....On a side note, I also apped for BCE and it was instantly denied(yep burned them too).I just had to find out on my own.

Generally with Amex its 5 years post BK.

Keep us posted with Citibank.

Re: Citi Secured With Bk Help

bk510 — Sat, 21 Jan 2017 03:09:30 GMT

@sjt wrote:
@bk510 wrote:
@Anonymous wrote:
@nolamike yes the card i applied for was a secured card just to try and get in with citi on the legacy side.

@Anonymous i haven't called but i just checked their app status online and it went back to pending for further review so i hope its a good sign. Hopefully they dont double pull my credit.
I am trying to do the same. In my case Citi was included in my BK7(discharged 6/2012).
Apped 1/15 and I see that my deposit was taken 1/17 and status still shows further review.
I don't believe having my deposit taken is a sign of an automatic approval as I heard from other members say thats the 1st thing they do is take your money and mail back your check once they realize that you won't be approved.
Hoping for the best....On a side note, I also apped for BCE and it was instantly denied(yep burned them too).I just had to find out on my own.
Generally with Amex its 5 years post BK.

Keep us posted with Citibank.

Good to know. So far though no HP from AE on EX. Hope I'm not blacklisted. Citi, AE and Chase all pull from EX here in so cal.

Re: Citi Secured With Bk Help

Anonymous — Sat, 21 Jan 2017 03:14:51 GMT

Keep us posted. It says 2 yrs post BK on the website.....so hopefully things will fall into place for you 👍🏾

Re: Citi Secured With Bk Help

Anonymous — Sat, 21 Jan 2017 05:13:48 GMT

The app status went back to decline as of this morning so no luck o well.

Re: Citi Secured With Bk Help

sjt — Sat, 21 Jan 2017 18:57:53 GMT

@Anonymous wrote:
The app status went back to decline as of this morning so no luck o well.

Is there a number to call to find out the reason for the decline.

Re: Citi Secured With Bk Help

Anonymous — Sun, 22 Jan 2017 00:37:39 GMT

Im not sure if there is one but i have tried to find out before and they always say to wait for the letter.

Re: Citi Secured With Bk Help

bk510 — Tue, 24 Jan 2017 02:23:08 GMT

@bk510 wrote:
@sjt wrote:
@bk510 wrote:
@Anonymous wrote:
@nolamike yes the card i applied for was a secured card just to try and get in with citi on the legacy side.

@Anonymous i haven't called but i just checked their app status online and it went back to pending for further review so i hope its a good sign. Hopefully they dont double pull my credit.
I am trying to do the same. In my case Citi was included in my BK7(discharged 6/2012).
Apped 1/15 and I see that my deposit was taken 1/17 and status still shows further review.
I don't believe having my deposit taken is a sign of an automatic approval as I heard from other members say thats the 1st thing they do is take your money and mail back your check once they realize that you won't be approved.
Hoping for the best....On a side note, I also apped for BCE and it was instantly denied(yep burned them too).I just had to find out on my own.
Generally with Amex its 5 years post BK.

Keep us posted with Citibank.
Good to know. So far though no HP from AE on EX. Hope I'm not blacklisted. Citi, AE and Chase all pull from EX here in so cal.

Yay.....Just received an email bout a minute ago from citi, approved for secured card.

It says my account is considered open as of today.

Chase and AE, I'm looking at ya......Appreciated everyone.

Re: Citi Secured With Bk Help

Anonymous — Tue, 24 Jan 2017 02:26:50 GMT

That's awesome! Congrats!

Re: Citi Secured With Bk Help

bk510 — Tue, 24 Jan 2017 02:29:29 GMT

@Justagirl73 wrote:
Keep us posted. It says 2 yrs post BK on the website.....so hopefully things will fall into place for you 👍🏾

Approved, thanks Girl......

Re: Citi Secured With Bk Help

sjt — Tue, 24 Jan 2017 05:15:34 GMT

@Anonymous wrote:
Im not sure if there is one but i have tried to find out before and they always say to wait for the letter.

I just noticed you have a Costco Visa. I don't think Citi allows you to have a secured and unsecured card.

Re: Citi Secured With Bk Help

sjt — Thu, 26 Jan 2017 14:54:46 GMT

@Anonymous wrote:
The app status went back to decline as of this morning so no luck o well.

Did you find out the reason for the decline?

Re: Citi Secured With Bk Help

Anonymous — Thu, 26 Jan 2017 15:26:44 GMT

No not yet i haven't received the letter yet. I will keep you posted once i receive the reason.