topic Re: Citi DC Denial in Credit Card Applications

Citi DC Denial

Grizzly1 — Tue, 14 Sep 2021 18:14:48 GMT

Besides the Amazon Prime card, I also apped for the above card but was denied and I just got the "To many inquiries" email. My issue is that besides them and Chase, the only credit card inquiry was from them which will fall off in November. All my credit cards (Discover, Cap One, Apple) are over two years old.

I do however have several recent auto loan inquiries on my credit file. I was under the impression that those wouldn't count towards appliying for credit cards. Would I be wasting my time trying to recon?

Re: Citi DC Denial

Anonymous — Tue, 14 Sep 2021 18:32:34 GMT

they take in to consideration all inquries. It does not matter what it is for such as a car loans.

How many total inquries do you have?

Chase is very un friendly to inquries.

Thanks

Mark

Re: Citi DC Denial

Grizzly1 — Tue, 14 Sep 2021 18:42:14 GMT

Seven total for TU.

Re: Citi DC Denial

arunkumarmm — Tue, 14 Sep 2021 20:41:43 GMT

@Grizzly1 wrote:
Besides the Amazon Prime card, I also apped for the above card but was denied and I just got the "To many inquiries" email. My issue is that besides them and Chase, the only credit card inquiry was from them which will fall off in November. All my credit cards (Discover, Cap One, Apple) are over two years old.

I do however have several recent auto loan inquiries on my credit file. I was under the impression that those wouldn't count towards appliying for credit cards. Would I be wasting my time trying to recon?

Did you apply for chase and citi on the same day? And Citi being the 2nd? And did they both pull the same CR?

Re: Citi DC Denial

Grizzly1 — Tue, 14 Sep 2021 20:42:58 GMT

Within a few minutes of each other yes.

Re: Citi DC Denial

arunkumarmm — Tue, 14 Sep 2021 20:47:36 GMT

@Grizzly1 wrote:
Within a few minutes of each other yes.

This is something I too faced. I'm yet to get the letter but seems like 1 inq in 5 days is the rule for Citi and if it is not, the system auto denies that app. I called the EO backdoor number and they are saying that they cannot override the system denial. Try calling them and see, YEMV..

Re: Citi DC Denial

Mr_Mojo_Risin — Tue, 14 Sep 2021 21:21:05 GMT

The algorithm just sees inquiries no matter what they're from.

You could try a recon and explain the auto inquiries.

Re: Citi DC Denial

Taurus22 — Tue, 14 Sep 2021 21:41:34 GMT

@arunkumarmm wrote:
@Grizzly1 wrote:
Besides the Amazon Prime card, I also apped for the above card but was denied and I just got the "To many inquiries" email. My issue is that besides them and Chase, the only credit card inquiry was from them which will fall off in November. All my credit cards (Discover, Cap One, Apple) are over two years old.

I do however have several recent auto loan inquiries on my credit file. I was under the impression that those wouldn't count towards appliying for credit cards. Would I be wasting my time trying to recon?
Did you apply for chase and citi on the same day? And Citi being the 2nd? And did they both pull the same CR?

This in itself might be the issue. The auto loan INQ's could also be a factor, but I know Citi has the no INQ's in (what is it.....3 days, 6 days? I can't remember...) The Chase app immediately prior may have spooked them and violated that rule.

Re: Citi DC Denial

coldfusion — Tue, 14 Sep 2021 23:12:56 GMT

@arunkumarmm wrote:
@Grizzly1 wrote:
Within a few minutes of each other yes.
This is something I too faced. I'm yet to get the letter but seems like 1 inq in 5 days is the rule for Citi and if it is not, the system auto denies that app. I called the EO backdoor number and they are saying that they cannot override the system denial. Try calling them and see, YEMV..

Citi does have rules regarding not approving more than 2 Citi cards within a sliding 60 day window (commonly referred to as the 2/65 rule) and a soft 6 inquiry/6 month guideline. Pretty much anything beyond that is largely a YMMV situation.

As for calling the EO, they generally do not involve themselves in these kinds of decisions outside of exceptionally unusual situations like a potential FCRA violation in the making; under normal circumstances even a "YMMV" overestimates ones odds of their intervention.

One can always request a recon but expect it to cost another hard pull.

Re: Citi DC Denial

arunkumarmm — Wed, 15 Sep 2021 02:57:55 GMT

@coldfusion wrote:
@arunkumarmm wrote:
@Grizzly1 wrote:
Within a few minutes of each other yes.
This is something I too faced. I'm yet to get the letter but seems like 1 inq in 5 days is the rule for Citi and if it is not, the system auto denies that app. I called the EO backdoor number and they are saying that they cannot override the system denial. Try calling them and see, YEMV..

Citi does have rules regarding not approving more than 2 Citi cards within a sliding 60 day window (commonly referred to as the 2/65 rule) and a soft 6 inquiry/6 month guideline. Pretty much anything beyond that is largely a YMMV situation.

As for calling the EO, they generally do not involve themselves in these kinds of decisions outside of exceptionally unusual situations like a potential FCRA violation in the making; under normal circumstances even a "YMMV" overestimates ones odds of their intervention.

One can always request a recon but expect it to cost another hard pull.

I don't have a citi card, this is the first time I tried for the custom cash. I apped for MCP from FNBT and it went pending, they pulled EX. I was in an assumption that citi will pull EQ but they pulled EX as well and denied right out. I had 1/6, 1/12 and 4/24 inq & new account.

When I spoke to the lady on the EO number, she verified my app and mentioned that a prior inq on the same day is the issue.

Re: Citi DC Denial

FinStar — Wed, 15 Sep 2021 03:38:55 GMT

@arunkumarmm wrote:
@coldfusion wrote:
@arunkumarmm wrote:
@Grizzly1 wrote:
Within a few minutes of each other yes.
This is something I too faced. I'm yet to get the letter but seems like 1 inq in 5 days is the rule for Citi and if it is not, the system auto denies that app. I called the EO backdoor number and they are saying that they cannot override the system denial. Try calling them and see, YEMV..

Citi does have rules regarding not approving more than 2 Citi cards within a sliding 60 day window (commonly referred to as the 2/65 rule) and a soft 6 inquiry/6 month guideline. Pretty much anything beyond that is largely a YMMV situation.

As for calling the EO, they generally do not involve themselves in these kinds of decisions outside of exceptionally unusual situations like a potential FCRA violation in the making; under normal circumstances even a "YMMV" overestimates ones odds of their intervention.

One can always request a recon but expect it to cost another hard pull.
I don't have a citi card, this is the first time I tried for the custom cash. I apped for MCP from FNBT and it went pending, they pulled EX. I was in an assumption that citi will pull EQ but they pulled EX as well and denied right out. I had 1/6, 1/12 and 4/24 inq & new account.

When I spoke to the lady on the EO number, she verified my app and mentioned that a prior inq on the same day is the issue.

Then again, it's profile-specific. I was approved for Custom Cash with several inquiries and new accounts in the past 12 & 24 months 🤷‍♂️ So, it's deeper than inquiries/new accounts, etc., when algorithms are making a UW decision.

Re: Citi DC Denial

arunkumarmm — Wed, 15 Sep 2021 17:22:21 GMT

@FinStar wrote:
@arunkumarmm wrote:
@coldfusion wrote:
@arunkumarmm wrote:
@Grizzly1 wrote:
Within a few minutes of each other yes.
This is something I too faced. I'm yet to get the letter but seems like 1 inq in 5 days is the rule for Citi and if it is not, the system auto denies that app. I called the EO backdoor number and they are saying that they cannot override the system denial. Try calling them and see, YEMV..

Citi does have rules regarding not approving more than 2 Citi cards within a sliding 60 day window (commonly referred to as the 2/65 rule) and a soft 6 inquiry/6 month guideline. Pretty much anything beyond that is largely a YMMV situation.

As for calling the EO, they generally do not involve themselves in these kinds of decisions outside of exceptionally unusual situations like a potential FCRA violation in the making; under normal circumstances even a "YMMV" overestimates ones odds of their intervention.

One can always request a recon but expect it to cost another hard pull.
I don't have a citi card, this is the first time I tried for the custom cash. I apped for MCP from FNBT and it went pending, they pulled EX. I was in an assumption that citi will pull EQ but they pulled EX as well and denied right out. I had 1/6, 1/12 and 4/24 inq & new account.

When I spoke to the lady on the EO number, she verified my app and mentioned that a prior inq on the same day is the issue.
Then again, it's profile-specific. I was approved for Custom Cash with several inquiries and new accounts in the past 12 & 24 months 🤷‍♂️ So, it's deeper than inquiries/new accounts, etc., when algorithms are making a UW decision.

DW was also approved for CCC within a couple of weeks after getting approved for C1 Savor1 and Sync Amazon. I'm curious to try after a month but debating if I have to waste onemore HP