topic Re: Citi DC App Under Review in Credit Card Applications

Citi DC App Under Review

Cashbackjunky — Thu, 24 Jun 2021 16:44:47 GMT

Hey all,

I got the 7-10 day message when I applied last night and called the app status and EO line. Both just said "it's under review and you should hear from us within 7-10 days".

I asked them if they needed anything from me and they said no. I guess it's time to patiently wait (I'm not good at that).

Any advice? It wasn't an instant denial, so I'm happy about that. I've never had to have my application looked at further. It's always been an instant decision, so this is new waters for me.

Cheers!

Re: Citi DC App Under Review

gingerflower — Thu, 24 Jun 2021 17:35:38 GMT

@Cashbackjunky

When I applied for the Custom cash rewards citi card I had the 7-10 day message. But couple hours later I received a Congratulations approval. Hang in there and Good Luck!

Re: Citi DC App Under Review

Cashbackjunky — Thu, 24 Jun 2021 18:14:28 GMT

@gingerflower wrote:
@Cashbackjunky
When I applied for the Custom cash rewards citi card I had the 7-10 day message. But couple hours later I received a Congratulations approval. Hang in there and Good Luck!

I applied (and was approved instantly) for the Custom Cash on 6/12. I waited ~11 days to app for the DC, due to the 1/8 rule... I'm really hoping to get an approval email soon.

You got your approval via email, correct?

Thanks!

Re: Citi DC App Under Review

Anonymous — Thu, 24 Jun 2021 18:41:47 GMT

My advice is to just be patient.

Re: Citi DC App Under Review

FinStar — Thu, 24 Jun 2021 18:47:35 GMT

OP - just for clarification- you called the Executive Office for a standard pending application? Was this warranted of an escalated issue? Just curious.

Re: Citi DC App Under Review

Cashbackjunky — Thu, 24 Jun 2021 19:52:43 GMT

@FinStar wrote:
OP - just for clarification- you called the Executive Office for a standard pending application? Was this warranted of an escalated issue? Just curious.

Originally when I called the application status number and put in my SSN, the automated service said it couldn't find an application with that SSN, which made me think maybe I screwed up on my app. I called the EO line to see if they knew why my SSN wouldn't pull up my app status - he wasn't sure why. He said he could see my correct SSN tied to the application.

I'm not sure if that's an appropriate reason to escalate it but I thought if I typed in my SSN wrong, I'd want to rectify it (maybe that was the reason my app was pending?)

Re: Citi DC App Under Review

FinStar — Thu, 24 Jun 2021 20:19:04 GMT

@Cashbackjunky wrote:
@FinStar wrote:
OP - just for clarification- you called the Executive Office for a standard pending application? Was this warranted of an escalated issue? Just curious.
Originally when I called the application status number and put in my SSN, the automated service said it couldn't find an application with that SSN, which made me think maybe I screwed up on my app. I called the EO line to see if they knew why my SSN wouldn't pull up my app status - he wasn't sure why. He said he could see my correct SSN tied to the application.

I'm not sure if that's an appropriate reason to escalate it but I thought if I typed in my SSN wrong, I'd want to rectify it (maybe that was the reason my app was pending?)

Typically, unless your application was denied due to a mismatch or unable to verify your information, then I can see a potential need for escalation in the event Citi's traditional channels were exhausted. But, thousands upon thousands of applicants typically let things process normally. Often times, it can take 24 hours for systems to load applications onto the automated system.

Personally, I would've let things run their course rather than jump the gun and call the EO for something trivial. If there is something to be said (and learned on these forums) some direct escalation channels have disappeared or tend to be more difficult to reach because of trivial issues that don't merit escalation.

Re: Citi DC App Under Review

coldfusion — Thu, 24 Jun 2021 20:40:46 GMT

@FinStar wrote:
If there is something to be said (and learned on these forums) some direct escalation channels have disappeared or tend to be more difficult to reach because of trivial issues that don't merit escalation.

That's exactly what happened with the Citi EO - they were originally very accomodating with handling requests directly but scaled back considerably over the last few years due to the increasing volume of direct escalations for what they viewed as routine or frivolous issues that a frontline CSR was both qualified and empowered to address.

Nobody is looking to infer here whatsoever that you made a routine or frivolous request but whenever we hear of an EO being contacted our interest is piqued for this very reason above. If FinStar hadn't asked I would have.

Re: Citi DC App Under Review

Cashbackjunky — Thu, 24 Jun 2021 22:08:53 GMT

Sorry everyone. I wasn't trying to tie up EO resources.

I have never been denied for a card or had the need to have my application reviewed further, so when the app status phone system said my SSN wasn't found, I freaked out a bit thinking I fat fingered it and that was the reason. You don't know what you don't know.

I'll never call EO again and I'll sit on my hands and wait "patiently" for my approval/denial email.

Re: Citi DC App Under Review

AverageJoesCredit — Fri, 25 Jun 2021 01:20:20 GMT

@Cashbackjunky wrote:
Sorry everyone. I wasn't trying to tie up EO resources.

I have never been denied for a card or had the need to have my application reviewed further, so when the app status phone system said my SSN wasn't found, I freaked out a bit thinking I fat fingered it and that was the reason. You don't know what you don't know.

I'll never call EO again and I'll sit on my hands and wait "patiently" for my approval/denial email.

If you have a reason to call then call , dont take away resources because the interwebz says its taboo. Now you know for a simple application probably not best route.

Re: Citi DC App Under Review

Remedios — Fri, 25 Jun 2021 13:22:39 GMT

@AverageJoesCredit wrote:
@Cashbackjunky wrote:
Sorry everyone. I wasn't trying to tie up EO resources.

I have never been denied for a card or had the need to have my application reviewed further, so when the app status phone system said my SSN wasn't found, I freaked out a bit thinking I fat fingered it and that was the reason. You don't know what you don't know.

I'll never call EO again and I'll sit on my hands and wait "patiently" for my approval/denial email.
If you have a reason to call then call , dont take away resources because the interwebz says its taboo. Now you know for a simple application probably not best route.

I don't understand this response.

Who is the "interwebz" and who said it's a taboo?

I believe what was said here is no need to contact Department Of Defense because one got into a fender bender.

Besides, it appears you and *interwebz* are in agreement, contacting EO within minutes of application isn't the right way to go about...well, anything really.

@Cashbackjunky I transposed last two digits of my SS, I got that same message, called Citi, they sent text to my phone, and I was approved before we even hung up.

Re: Citi DC App Under Review

Brian_Earl_Spilner — Fri, 25 Jun 2021 14:45:58 GMT

@AverageJoesCredit wrote:
@Cashbackjunky wrote:
Sorry everyone. I wasn't trying to tie up EO resources.

I have never been denied for a card or had the need to have my application reviewed further, so when the app status phone system said my SSN wasn't found, I freaked out a bit thinking I fat fingered it and that was the reason. You don't know what you don't know.

I'll never call EO again and I'll sit on my hands and wait "patiently" for my approval/denial email.
If you have a reason to call then call , dont take away resources because the interwebz says its taboo. Now you know for a simple application probably not best route.

Nobody said it was taboo. Merely advising the OP that the EO should be a last resort type option rather than right out the gate. The EO for a lender used to be helpful, but has long since started to become a worthless option due to abuse and frivolous requests.

Re: Citi DC App Under Review

Yasselife — Fri, 25 Jun 2021 21:22:02 GMT

When did you get the custom cash card, 12mo total?

Re: Citi DC App Under Review

Yasselife — Fri, 25 Jun 2021 21:26:45 GMT

Citi doesn't allow to request a CLI in less than 6 months; how could this be any different than getting more credit through a new card from them?

Re: Citi DC App Under Review

coldfusion — Fri, 25 Jun 2021 22:28:31 GMT

@Yasselife wrote:
Citi doesn't allow to request a CLI in less than 6 months; how could this be any different than getting more credit through a new card from them?

Citi has different rules when it comes to new cards. OP mentioned the 1/8 rule which mean Citi will not approve an application made less than 8 days from the previous approval, they also have a rolling 2/60 rule which means they will not approve more than 2 cards within any given 60 day window. The latter is often referred to as 2/65 as community guidance was to use 65 days to ensure enough time to allow all of Citi's disparate systems enough time to be updated with the new status. They have also had a soft rule about not tolerating more than previous 6 inquiries over the past 6 months, the "6/6 rule".

All of these rules were exercised pretty thoroughly back when it was a bit of a cottage industry to regularly collect Citi American Airlines cards and rack up insane amounts of AA miles via bonuses before Citi and AA clamped down on the practice (i.e. the "grAAvy train).

Re: Citi DC App Under Review

Cashbackjunky — Wed, 07 Jul 2021 15:51:26 GMT

Just an update, in case anyone wants to know.

I app'd on 6/23. On 7/2, my app status was still pending, so I called the app status number. They said they had to verify my identity and needed to hang up the call and call me back. No call back. 5 mins go by and I decided to check my app status online - it now says declined.

I called back and explained what happened and they said they couldn't share details of the denial and I had to wait for the letter in the mail.

Last night (7/6) the letter comes in the mail. It said they couldn't verify my identity and I needed to call in.

Called the same number this morning on the way to work. She had to verify my SSN, address and how/where I applied. Then had to hang up and call me back... I was nervous I wouldn't get a call back but the phone rang almost as soon as I hung up.

Approved for SL of $9,900 🙂

I'm not sure if the representative on 7/2 mistyped my number or what but I think since they couldn't verify my number they denied it.

Glad I got it figured out and happy to have my second Citi card.

DP's:

Approved for Citi Custom Cash on 6/12 (11 days before applying for DC)

EX pulled. INQ's as follows:

2/6

8/12

10/24

Cheers!

Re: Citi DC App Under Review

SweetCreditObsession — Wed, 07 Jul 2021 16:24:43 GMT

Congratulations and thanks for the DPs.

Re: Citi DC App Under Review

FinStar — Wed, 07 Jul 2021 19:10:01 GMT

As the OP has provided an update on their application, this thread is now locked and closed to new messages.