topic Citi Sears Credit Card Application in Credit Card Applications

Citi Sears Credit Card Application

Rudy1 — Sun, 24 May 2020 05:01:47 GMT

I am asking this question for my husband. He applied today for the Citi Sears Store Card and got the message

"We have received your application and will need to process it further. We will contact you with our decision within 2 weeks via email if you agreed to receive communication electronically and provided an email address. If you did not agree to receive communication electronically and an email address was not provided, we will contact you via U.S. Mail." Has anyone has experienced this even if it's not specifically for the Sears card and gotten approval with this message. Or is this message denial? Any help appreciated

Re: Citi Sears Credit Card Application

AverageJoesCredit — Sun, 24 May 2020 13:00:17 GMT

That sounds like denial to me. It could be verification but i doubt it. Hope its the latter

Re: Citi Sears Credit Card Application

Meanmchine — Mon, 25 May 2020 03:28:59 GMT

Good luck and let us know what happens

Re: Citi Sears Credit Card Application

Rudy1 — Sat, 30 May 2020 04:25:53 GMT

He was denied strange reason though it was Excessive number of open account kind of annoying because he wanted to product change the ShopYourWay Card to the Citi TYP Sears Card. Is there recon for this card I feel like this is a ridiculous reason.

Re: Citi Sears Credit Card Application

coldfusion — Sat, 30 May 2020 12:51:09 GMT

@Rudy1 wrote:
He was denied strange reason though it was Excessive number of open account kind of annoying because he wanted to product change the ShopYourWay Card to the Citi TYP Sears Card. Is there recon for this card I feel like this is a ridiculous reason.

Have you confirmed that Citi has resumed allowing that particular product change again?

Citi allows for recons but I don't have a number for their Retail Services group which handles the Sears portfolio.

Re: Citi Sears Credit Card Application

kdm31091 — Sat, 30 May 2020 16:30:12 GMT

Keep in mind a product change is never guaranteed. Citi only offers the Shop Your Way version for new apps. Since they do not allow apps for the ThankYou version, they seemingly do not want to offer it, so product changes could become unavailable at any point and you're stuck with the SYW card.

As far as recon Citi does generally recon (although results are mixed at best) although I am not sure as far as the retail cards. There's a Citi recon number on the backdoor numbers thread you could try.

The denial is something I have not seen a ton of before but I suspect we will start to see "excessive open accounts" or "too much available credit" type thing more often as lenders crack down. It's not really ridiculous IMO, the bank wants you to use their card and if you have a dozen other cards you are unlikely to use theirs enough that it makes sense for them to give it to you. Don't have to like it but it makes sense.