topic Citibank DENIED in Credit Card Applications

Citibank DENIED

Jnbmom — Mon, 11 Jun 2018 02:03:43 GMT

Well on a whim ( I really need to rethink my whims LOL) I decided to go for a second Citi card. I have had my first one, the simplicity card for a little over 2 months. I decided to try for the AA card.

I am telling you in all my credit years of highs and lows I have never seen a quicker denial in my life . I swear it didn't spin, didn't even seem to load I hit apply and BAM Denied, no thank you email for applying , nothing. That was the fastest denial I have ever encountered, very odd.

Re: Citibank DENIED

Anonymous — Mon, 11 Jun 2018 03:38:27 GMT

It’s more than likely because of your latest card only being 2 months. Some banks make you wait 3 months (90 days) before apping for the second card.

Re: Citibank DENIED

Brian_Earl_Spilner — Mon, 11 Jun 2018 03:55:24 GMT

Question is whether you get a HP or not. If not, it was an auto-denial so try again later.

Re: Citibank DENIED

Jnbmom — Mon, 11 Jun 2018 03:56:22 GMT

Oh no it was a HP and an auto deny apparently

Re: Citibank DENIED

Anonymous — Mon, 11 Jun 2018 04:19:42 GMT

Dang! Sorry to hear that.

You need to join me in the garden for a while!

Re: Citibank DENIED

Jnbmom — Mon, 11 Jun 2018 04:26:00 GMT

@Anonymous wrote:
Dang! Sorry to hear that.

You need to join me in the garden for a while!

Oh yes I most certainly do. I only have one thing left, my NFCU hits 91 days in early July. I "may" try for a CLI because the SL was kinda low (2500) and possible try for second card which I think would give me a better SL. Then I am done for the rest of year.

Re: Citibank DENIED

Anonymous — Mon, 11 Jun 2018 04:32:17 GMT

Sounds like a plan.

I've been in the garden nine ~~years~~ days!

Re: Citibank DENIED

Jnbmom — Mon, 11 Jun 2018 04:35:30 GMT

@Anonymous wrote:
Sounds like a plan.

I've been in the garden nine ~~years~~ days!

Re: Citibank DENIED

AverageJoesCredit — Mon, 11 Jun 2018 12:09:59 GMT

Good thing is Navys AR is July so perhaps a sp cli if approved. Not sure if 3 months will be too early for a second card.

Re: Citibank DENIED

CreditCuriosity — Mon, 11 Jun 2018 13:12:36 GMT

@AverageJoesCredit wrote:
Good thing is Navys AR is July so perhaps a sp cli if approved. Not sure if 3 months will be too early for a second card.

Nah... Citi rule is cant have a card within 8 days of previous card and two cards max within 60 days I believe or possibly 80, but would have to look up second part.. He/She didn't appears to to violate either of those rules.

Sure you dont have a freeze on any reports being Eq/TU/Exp?

Re: Citibank DENIED

AverageJoesCredit — Mon, 11 Jun 2018 14:11:54 GMT

Oh Sorry CC, I was referring to too early for a second Navy card. It's usually advisable to at least have a couple months in between 1st card and second

Re: Citibank DENIED

Jnbmom — Mon, 11 Jun 2018 15:15:44 GMT

No credir freeze just a straight up instant denial.

I am hoping I have luck with NFCU.Does anyone know when in July they do their AR/score update?

Re: Citibank DENIED

Anonymous — Sun, 19 Aug 2018 16:53:58 GMT

Got approved for citi diamond last night can i still apply for bestbuy or will it be auto denied