topic Re: Another AOD Signature Visa Denial in Credit Card Applications

Another AOD Signature Visa Denial

whocares — Fri, 01 May 2020 05:09:09 GMT

I recently got denied for this 3% card for too many new accounts (9) with high limits over the past 18 months. EX5 Score (734), history, inquiries (2), and six-figure income were all good. They wouldn't budge despite my plea and even told them to give me a $5k limit so I could at least get in. No go. In a credit rage, I went over to Citi and app'd for their 2% DC card....instantly approved with $13,800 SL. Take that AOD! If I'm not good enough for you, you can keep your extra 1%!!!

Re: Another AOD Signature Visa Denial

Anonymous — Fri, 01 May 2020 05:18:36 GMT

Sorry about the AOD denial, but congrats on the CITI approval!

Re: Another AOD Signature Visa Denial

Eagered2succeed — Fri, 01 May 2020 07:21:15 GMT

Thanks for the dp. Seems like DTI and now new accounts are playing a role in approval. They are definitely being more strenuous with the approval process. I'm sure they've exceeded their quota of what they were expecting to approve. Congrats on the DC card lot's of people speak very positive about it.

Re: Another AOD Signature Visa Denial

Anonymous — Fri, 01 May 2020 11:42:08 GMT

Congrats on the DC! I was one of the denials too! The card treat me well I hope you will enjoy the card too. I also agree with other users that AOD probably slowly keeping new people away.

Re: Another AOD Signature Visa Denial

Gmood1 — Fri, 01 May 2020 11:57:52 GMT

Congratulations on the DC approval!!

This is one that takes a licking and keeps on ticking!!😆

Never an issue with this CC!

Sorry for your denial. The positive, you didn't let it stop you from moving forward. Which is a real win in my book!

Being denied by one FI, doesn't mean they all will.

Re: Another AOD Signature Visa Denial

Shooting-For-800 — Fri, 01 May 2020 12:40:13 GMT

Thanks for sharing OP.

You saved me another headache!

Re: Another AOD Signature Visa Denial

AverageJoesCredit — Fri, 01 May 2020 13:10:25 GMT

Whocares? They didnt

3% is nice but its not the be all end all imo. 1% is just 1% . Besides, Citi is love with you since almost noone scores 13k as a sl from stingy Citi

Re: Another AOD Signature Visa Denial

Wavester64 — Fri, 01 May 2020 15:16:07 GMT

@whocares wrote:
I recently got denied for this 3% card for too many new accounts (9) with high limits over the past 18 months. EX5 Score (734), history, inquiries (2), and six-figure income were all good. They wouldn't budge despite my plea and even told them to give me a $5k limit so I could at least get in. No go. In a credit rage, I went over to Citi and app'd for their 2% DC card....instantly approved with $13,800 SL. Take that AOD! If I'm not good enough for you, you can keep your extra 1%!!!

Congrats on Citi DC!

Funny I had the opposite happen to me. I apped for Citi DC in January...declined. I apped for AOD a week or so ago, approved, but not as nice a SL as you got with Citi!

Re: Another AOD Signature Visa Denial

BmoreBull — Fri, 01 May 2020 17:01:56 GMT

Sorry for your denial. But congrats on your success with the Citi DC. That's a nice SL.

Re: Another AOD Signature Visa Denial

Anonymous — Fri, 01 May 2020 20:20:39 GMT

I also recently got denied for "too many new accounts in a 12 month period", which literally makes do little sense smh

- (3) CC + (1) Auto Loan

- Income: 84,000

- Equifax: 780

- Your DTI: 6/12

Was hoping to get the uncapped 3% CB card to replace my Alliant Card... @whocares - Was that your first account with Citi? Thinking of scooping the DC as well at this point.

Re: Another AOD Signature Visa Denial

whocares — Fri, 01 May 2020 22:21:24 GMT

@Anonymous - I THINK we got late to the game with AOD, espeically given your DPs which were better than mine with new accounts. Yes, this was my first Citi card with them.

Re: Another AOD Signature Visa Denial

recoveringfrombk7 — Fri, 01 May 2020 23:33:47 GMT

Congrats on the DC, that's an awesome SL for a Citi card.

Re: Another AOD Signature Visa Denial

Anonymous — Sat, 02 May 2020 00:33:37 GMT

Solid - Whats was the income listed for the 13.8K SL?

@whocares wrote:
@Anonymous - I THINK we got late to the game with AOD, espeically given your DPs which were better than mine with new accounts. Yes, this was my first Citi card with them.

Re: Another AOD Signature Visa Denial

AllZero — Sat, 02 May 2020 00:37:19 GMT

That's unfortunate about your AOD denial.

Congratulations on your DC approval!

Re: Another AOD Signature Visa Denial

KJinNC — Sat, 02 May 2020 17:36:27 GMT

Congrats on the DC approval. I was also denied for too many new accounts in the last 12 months. Did they actually tell you "too many in 18 months" or is that just the timeframe you've been opening accounts? They actually told me 12 months, but that might just be because that is my actual timeframe of opening accounts. Nothing in my signature is older than April 8 2019, except the closed Exxon card.

I'm ok with the denial. My main concern was a low-ish CL. I only applied because at the time, I saw a lot of people getting $25k CLs, but the day I applied, that started changing. So I was dreading getting approved for a much lower CL and was kind of relieved I got denied. 3% cash back is great, but I am skeptical how long it'll last. I think I'd rather have the DC than the AOD card for that reason, if I had to pick one or the other.

Good luck!

Re: Another AOD Signature Visa Denial

CreditAggie — Sat, 02 May 2020 16:55:12 GMT

Sorry about your AOD denial.

Congratulations on your Citi Double Cash approval!

Re: Another AOD Signature Visa Denial

Boss2Boss — Sun, 03 May 2020 03:10:20 GMT

Gosh your post is a breath of fresh air for me. I applied for AOD two weeks ago and was denied for DTI. It felt like a kick in the chest I haven't been denied in forever. I applied for my 3rd Navy card this week and was approved for $25K. Take that AOD 😏

Re: Another AOD Signature Visa Denial

whocares — Sun, 03 May 2020 03:20:22 GMT

@Anonymous wrote:
Solid - Whats was the income listed for the 13.8K SL?
@whocares wrote:
@Anonymous - I THINK we got late to the game with AOD, espeically given your DPs which were better than mine with new accounts. Yes, this was my first Citi card with them.

Thanks. Let's just say under $250K

Re: Another AOD Signature Visa Denial

whocares — Sun, 03 May 2020 03:26:01 GMT

@KJinNC wrote:
Congrats on the DC approval. I was also denied for too many new accounts in the last 12 months. Did they actually tell you "too many in 18 months" or is that just the timeframe you've been opening accounts? They actually told me 12 months, but that might just be because that is my actual timeframe of opening accounts. Nothing in my signature is older than April 8 2019, except the closed Exxon card.

I'm ok with the denial. My main concern was a low-ish CL. I only applied because at the time, I saw a lot of people getting $25k CLs, but the day I applied, that started changing. So I was dreading getting approved for a much lower CL and was kind of relieved I got denied. 3% cash back is great, but I am skeptical how long it'll last. I think I'd rather have the DC than the AOD card for that reason, if I had to pick one or the other.

Good luck!

yeah...they specifically said 18 months which I thought was a bit odd, but most lendors look at 24 months of history so I guess I shouldn't be surprised. Very nice institution and people. Nothing bad to say about them other than they declined me. My $200k in new credit lines over those 18 months they clearly didn't like and I understand. Oh well. Now the garden is my home until late 2021 most likely.

Re: Another AOD Signature Visa Denial

Meanmchine — Sun, 03 May 2020 03:43:32 GMT

Sorry about AOD

Congrats on Citi !