topic Re: Citibank 7-10 day message in Credit Card Applications

Citibank 7-10 day message

Jaxson59 — Sat, 27 Jul 2019 23:42:52 GMT

I apped Citibank Simplicity 3 days ago and got the 7-10 day message. So far, they haven't pulled my credit yet.

I unfrozen my Equifax (711 FICO) and TU (696 FICO). MY Experian is still frozen (671).

Is it normal that they don't HP yet?

Thanks....I learn a lot here.

Re: Citibank 7-10 day message

Anonymous — Sat, 27 Jul 2019 23:59:48 GMT

Well, why only 2/3 unforzen?

When I got mmy 2 cards with them they pulled EQ/EX for approvals and EQ for CLI's when asking for the HP in addition to the SP CLI.

Did you IIB them? Late payments?

Usually when you don't see a HP from a major bank either you're on their blacklist or you put in the wrong SSN.... or your still frozen.

Re: Citibank 7-10 day message

Jaxson59 — Sun, 28 Jul 2019 00:12:11 GMT

I haven't contacted them yet. I didn't unfreeze Ex because my score is so low. I don't have anything bad (1 medical collection from 6 years ago). I have a Discover with a CL of $8500. 26% utilization among all cards. I don't think I'm on a blacklist but perhaps I will call them tomorrow....leaving the house soon. Any suggestions?

Re: Citibank 7-10 day message

Anonymous — Sun, 28 Jul 2019 00:31:58 GMT

https://www.citicards.com/cards/credit/application/flow.action?ID=ApplicationStatus&langId=EN

Re: Citibank 7-10 day message

Jaxson59 — Sun, 28 Jul 2019 00:39:32 GMT

Thanks for the link. I check it each day but it says it is still processing my app. I just find it odd that they can process an app without any HP's. I will call them in the morning and see what they say.

I have no lates at all....fairly new credit length but other than age and the one collection, clean. I will update here tomorrow after I talk to them.

Thanks for your feedback!

Re: Citibank 7-10 day message

Anonymous — Sun, 28 Jul 2019 00:47:50 GMT

Yeah, I get alerts instantly w/ apps w/ most lenders.

I did apply for a little unknown bank this year and didn't get any alerts from that app but, ended up w/ a letter saying they couldn't match my info to a CR and there wasn't a HP anywhere to be seen. I don't know if their backend wasn't connecting to the CRA's that day or what the deal was and moved onto a different app on the list I had at the time. Even some of the dark ages banks w/ bad technology will show a HP instantly or at least within a day or two.

Citi can be wonky at times though too. If I make a change to an account like an approval or PC I'll get locked out of the system for a couple of days while it's processing for whatever reason and then it just starts working again. So, there's that...

https://ficoforums.myfico.com/t5/Credit-Card-Applications/Backdoor-Numbers/td-p/408066

Citi: 800-763-9795 (They ask for your app #)

Re: Citibank 7-10 day message

Jaxson59 — Sun, 28 Jul 2019 00:54:03 GMT

Thanks for the numbers. I will call tomorrow and update here.
PS- I figured they would have at least pulled either Eq or TU. Maybe there is some kind of computer issue or SSN error. Again...thanks

Re: Citibank 7-10 day message

Jaxson59 — Sun, 28 Jul 2019 13:07:16 GMT

I called Citibank and was told the hold-up was due to my Experian being frozen. I asked if they could use my EQ or TU instead and she said no. She said that the decision to pull EX was made by the computer and she had no control over that. She told me to unfreeze EX and call them back.

I now am not feeling confident that my EQ score of 671 will be enough. I don't want to take the hit on my score for a probable turndow. I think I will wait awhile and try again when my score is at 700.

Re: Citibank 7-10 day message

Anonymous — Sun, 28 Jul 2019 13:25:44 GMT

671 on EX isn't really all that bad for Citi. Even with 800+ it's a roll of the dice with them if you don't follow the app rules.

We will never know if you would be approved since you froze yourself out of a decision. I kind of figured it would be Experian related though since it wasn't thawed out.

Re: Citibank 7-10 day message

Jaxson59 — Sun, 28 Jul 2019 13:32:37 GMT

Do you think it's worth the possible ding to apply then? 671 sounds really low to me. I appreciate your help!

Re: Citibank 7-10 day message

Anonymous — Sun, 28 Jul 2019 13:54:01 GMT

Score isn't everything but, really low would be sub 630. Search out the approvals for citi and see where you might come in at.

https://ficoforums.myfico.com/t5/forums/searchpage/tab/message?filter=location&q=citi%20simplicity&location=forum-board:App_Approvals&sort_by=-topicPostDate&collapse_discussion=true

https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Citi-Double-Cash/m-p/5674072 -- 10K+ with a 676

Re: Citibank 7-10 day message

Jaxson59 — Sun, 28 Jul 2019 14:23:03 GMT

Well, darn it! Now you have me thinking. I will ponder for a bit and decide. It will be today though. I will update here.

Thanks for those links.

I do have one question though - is Experian scoring differently than the other two? It's always lower and when it does move up, it's Glacier slow.

Re: Citibank 7-10 day message

Jaxson59 — Sun, 28 Jul 2019 14:45:03 GMT

Well, it was turned down for too many inquiries (5 in last 6 months....9 in 2 years). My score was actually 709....my Experian UPDATED right after the pull. Last updated on 7/17.

Bummer....should I call recon is Citi firm in their decision?

Re: Citibank 7-10 day message

CreditInspired — Sun, 28 Jul 2019 14:51:46 GMT

@Jaxson59 wrote:
I haven't contacted them yet. I didn't unfreeze Ex because my score is so low. I don't have anything bad (1 medical collection from 6 years ago). I have a Discover with a CL of $8500. 26% utilization among all cards. I don't think I'm on a blacklist but perhaps I will call them tomorrow....leaving the house soon. Any suggestions?

Hi and welcome

When applying for any credit, make sure all reports are unfrozen!

Re: Citibank 7-10 day message

Anonymous — Sun, 28 Jul 2019 15:48:45 GMT

Giving them a call won't hurt at all. It might get approved if they have some questions. 5/6 isn't bad as their rule is 6/6 so, you're on the edge of approval.

It's mostly automated but, if the front line rep doesn't seem interested just ask for a supervisor and see if they can overturn things to an approval.

Re: Citibank 7-10 day message

Jaxson59 — Sun, 28 Jul 2019 16:01:26 GMT

Thanks for the vote of confidence. I will do just that later today and post results here.

Re: Citibank 7-10 day message

Remedios — Sun, 28 Jul 2019 16:15:42 GMT

@Jaxson59 wrote:
Well, it was turned down for too many inquiries (5 in last 6 months....9 in 2 years). My score was actually 709....my Experian UPDATED right after the pull. Last updated on 7/17.

Bummer....should I call recon is Citi firm in their decision?

Hi and welcome to the forums

You can certainly call them and see if they will reconsider their decision.

The other option you have is to stop applying. Usually a denial is a clear message, regardless on who the lender is.

Out of your 5 inquiries, how many have resulted in new accounts?

One other thing, just because someone else got approved with a similar or lower score, it does not mean another person with similar score will be. It's what on your report that actually matters, not the numerical representation of the report.

You said you have short credit history. You already have a collection on your report . You mention not having a late, but late is a joke compared to collection account.

Is it paid collection and how old is it?

Re: Citibank 7-10 day message

Jaxson59 — Sun, 28 Jul 2019 17:11:11 GMT

My collection is a medical collection from 2013. It should fall off soon. I did call for recon and got a no. I asked her how long they go back inquiry-wise and she wouldn't say....said it would compromise their scoring system.

I will stop for awhile. Just got a little ahead of myself.

Thanks for all the input! It was gladly accepted.

Re: Citibank 7-10 day message

Remedios — Sun, 28 Jul 2019 17:15:32 GMT

@Jaxson59 wrote:
My collection is a medical collection from 2013. It should fall off soon. I did call for recon and got a no. I asked her how long they go back inquiry-wise and she wouldn't say....said it would compromise their scoring system.

I will stop for awhile. Just got a little ahead of myself.

Thanks for all the input! It was gladly accepted.

Just give yourself some time. It will happen. New accounts and inquires are the new bad words lol

I would say 6 months of clean living from last HP/ new account and you should have a good chance

Good luck!

Re: Citibank 7-10 day message

Jaxson59 — Sat, 14 Dec 2019 23:48:58 GMT

Update: I applied again today for the Citi Double Cash and got approved for $2500. I got the 7-10 day message so I called. They just wanted to verify my address. I was hoping for a higher CL, but am happy to get in the door. They pulled Experian which was 683. My Equifax is 726 so maybe they will SP EQ for CLI in the future.

Just a note here: I pre-qualed for B B &T this week and they approved me for their Spectrum Rewards card on a SP only! My starting CL is $2500. I wasn't even aware you could get a credit card without a HP.

Anyway, I'm done for awhile. Let my scores rest and grow.