topic Re: Citibank secured card question???? in Credit Card Applications

Citibank secured card question????

adifferentme — Wed, 19 Apr 2017 23:44:20 GMT

I have app'd for this card 3 times in the past 2 years. All 3 denials w/o funds even being pulled from my account. At the time of all three denial my scores were between 520-540.... on 4/17 I decided to give it another try. So about 11pm I app'd for the secured card again and got the "thanks for applying, we are processing your application and will be in touch within 1 week ..." email right after... This morning 4/19 I checked my bank app and this time citi had pulled the funds from my account. About 10:45 I received an email stating that in order to continue processing my application they needed more info..." giving me a number to call. I called and was asked to verify my income and housing payment... which I did. My question is this is my 4th time applying and my score have actually dropped 443-450.... do anyone think that by them actually pulling my funds this time that I have a slight chance of actually being approved?

Re: Citibank secured card question????

sjt — Thu, 20 Apr 2017 00:16:38 GMT

@adifferentme wrote:
I have app'd for this card 3 times in the past 2 years. All 3 denials w/o funds even being pulled from my account. At the time of all three denial my scores were between 520-540.... on 4/17 I decided to give it another try. So about 11pm I app'd for the secured card again and got the "thanks for applying, we are processing your application and will be in touch within 1 week ..." email right after... This morning 4/19 I checked my bank app and this time citi had pulled the funds from my account. About 10:45 I received an email stating that in order to continue processing my application they needed more info..." giving me a number to call. I called and was asked to verify my income and housing payment... which I did. My question is this is my 4th time applying and my score have actually dropped 443-450.... do anyone think that by them actually pulling my funds this time that I have a slight chance of actually being approved?

Can you give us some insight on your credit profile.

Also, if they are asking for more info, that is a good sign.

Re: Citibank secured card question????

adifferentme — Thu, 20 Apr 2017 01:32:45 GMT

Credit profile is cap one secured $500/ Discover secured $500/ us bank secured $300... scores 471...443....one credit card charge off will fall off next year, 13 collection accounts all about 3 - 6 years old... 12 inquiries... utilization on all cards are 47%

Re: Citibank secured card question????

Anonymous — Sat, 22 Apr 2017 22:38:04 GMT

Have you hear anything back?? I app'd 8 days ago and got the standard "further processing required" message. I never received an email. Funds came out of my account 3 days ago. I called yesterday and she told me it was still processing and that funds usually take 4 days to clear. I checked my credit report the night I app'd and they did a HP on experian. So I would only be left to assume my credit was ran before funds were pulled. Anyway she said I should hear from them within the week, but I'm getting anxious!

Re: Citibank secured card question????

adifferentme — Sat, 22 Apr 2017 22:59:55 GMT

If they took your deposit then you will be approved... congrats. I called yesterday in 4/21 which is 4 days after applying and was told my app is in its final stage! Don't no what that means but in my bank transaction it states citi secured na with the numbers 6044 which I am thinking will be my account number with them.

Re: Citibank secured card question????

Anonymous — Sat, 22 Apr 2017 23:26:24 GMT

The woman I talked to was very vague lol She checked to see if any further information was needed, it wasnt. And said it was "pending approval, it usually takes 4 days for funds to clear." I didn't want to seem needy, so I didn't ask if that's all I was waiting on. My account doesn't show any numbers on my bank statement from them pulling the funds. The only negatives on my report are 2 collections totaling less than $300 and 1 hard inquiry from 2.5 years ago.

Re: Citibank secured card question????

adifferentme — Sun, 23 Apr 2017 00:24:40 GMT

Appears on your statement as Citi NA Secured
Account fund my namexxxxxx 6604 ..... this makes me think that 6604 will be the last 4 digits of my card #, my account # ... I will follow up Tuesday because that will be a week and my application status should change by then.

Re: Citibank secured card question????

Glen_M — Sun, 23 Apr 2017 01:08:56 GMT

If they're taking your money, they aprroved you, and are just waiting for the transfer to complete before making it "official".

If you were some kind of fraudster or something, the real person could see the pending transfer for a couple days and stop it. Or your bank could stop it due to insufficeint funds, etc. if you were making a bunch of purchases all at once. Being ploddingly slow is one way banks protect themselves from you "pulling a fast one on them".

Re: Citibank secured card question????

Anonymous — Tue, 25 Apr 2017 11:50:40 GMT

I have read stories of funds being taken and still receiving a denial..I still haven't heard back from them and it's been almost 2 weeks since I applied. I'm hoping I hear something today.

Re: Citibank secured card question????

adifferentme — Tue, 25 Apr 2017 12:11:23 GMT

Citi®

Security zone: my name
Cardmember since: 2017
Card ending in: 1317

Applied 4/17.... funds taken 4/19 received this email last night 4/24.......

Congratulations, you've been approved!

We're delighted to let you know you've been approved for the Citi® card, with a credit limit of $200. Your account is considered open as of today, 04/24/17.

Your card should be arriving in 7-10 days in a plain white envelope. To start enjoying the many benefits of your card, activate it as soon as it arrives.

You can always find a full list of your card benefits here. Once you have your new card in hand, you'll be able to log in and experience the full site.

Thank you for choosing Citi for your financial needs!

E-mail Security Zone

At the top of this message, you'll see an E-mail Security Zone. Its purpose is to help you verify that the e-mail was indeed sent by Citibank. If you have questions, please call the customer service phone number on the back of your card. To learn more about online fraud, visit citibank.com and click "Security" at the bottom of the screen.

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Re: Citibank secured card question????

adifferentme — Tue, 25 Apr 2017 12:14:33 GMT

I received an approval within 7 days but I was wrong about the account number. The approval email states that as of 4/24 my account is considered open although the card is on its wsy👀

Re: Citibank secured card question????

Anonymous — Tue, 25 Apr 2017 13:37:44 GMT

Congratulations!! Has your online status changed too??? I'm wondering what the heck is taking so long! Today is day 5 since they took my funds and almost 2 weeks since I applied, although I applied right before Easter weekend, so that may have delayed things some.

Re: Citibank secured card question????

adifferentme — Tue, 25 Apr 2017 14:57:37 GMT

Application Status
Citi® Card

Congratulations, you have been approved for a Citi® Card on 04-24-2017. Your welcome kit and card(s) will arrive in the mail within 2 weeks of the above date at the address you provided. Upon arrival, follow the instructions on the security sticker to confirm receipt and activate your card for immediate use.

Account Details:
Credit Card: Citi® Card
Initial Credit Limit: $200

Purchase APR: Prime rate + 19.24%, currently 23.24%
Balance Transfer APR: 23.24% for 7 months from the date of the first balance transfer. Thereafter, Prime rate + 19.24%, currently 23.24%
Balance Transfer Fee: The transaction fee for Balance Transfers is 3% of the amount of each balance transfer, $5 minimum.
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Re: Citibank secured card question????

adifferentme — Tue, 25 Apr 2017 14:58:32 GMT

My online status changed also. ^^^^^^

Re: Citibank secured card question????

Anonymous — Tue, 25 Apr 2017 15:34:52 GMT

Thanks for the info! I suppose I'll keep waiting.

Re: Citibank secured card question????

Anonymous — Wed, 26 Apr 2017 02:59:26 GMT

Update! Just figured I'd check the status one more time before I went to bed and I am APPROVED! I'm so excited to get in with Citi!

Re: Citibank secured card question????

adifferentme — Wed, 26 Apr 2017 04:44:36 GMT

Congrats.

Re: Citibank secured card question????

tanya0525 — Thu, 27 Apr 2017 02:33:14 GMT

FICO 548 I applied on 4/23 for $200 and got the email stating they are processing my application. I got a text message today stating "Citi needs to talk to you regarding your application please call". I called and they asked me to verify my income and my monthly house payment. They said I should hear something shortly. I have the Discover IT and Capital One. Curious myself......

Re: Citibank secured card question????

adifferentme — Thu, 27 Apr 2017 03:29:58 GMT

Have they pulled funds from your account yet? Once they pull funds you are more than likely approved.

Re: Citibank secured card question????

tanya0525 — Thu, 27 Apr 2017 19:27:39 GMT

Nothing has been taken out my account. The person I spoke to stated they are still processing and have yet to come to a final decision. I noticed on some other forums that some people didn't hear for a week or two....so I'll keep waiting.