topic Re: Denied for “Too Many Requests…” Recon Help? in Credit Card Applications

Denied for “Too Many Requests…” Recon Help?

CoolHandSean — Wed, 19 Oct 2022 01:24:07 GMT

Surprise, suprise Citi AAdvantage Executive World Elite and Chase Amazon Prime Rewards sent me a denial email. FICO Experian: 808

Citi: "You have submitted multiple applications for credit" (Update: Didn't bother with recon since it was prob best to not have so many new accounts added to my credit report)

Chase: "Too many requests for credit or opened accounts with us" (Update: Approved after recon)

I'm gonna attempt reconsideration. Would telling them that this will be my primary card suffice? Any tips on what else I should say.

Re: Denied for “Too Many Requests…” Recon Help?

OmarGB9 — Sat, 08 Oct 2022 13:05:32 GMT

If you're over 5/24 (5 or more revolving accounts within the last 24 months), Chase will be a no go as per their policy.

Citi it sounds like you haven't waited the appropriate amount of time in between applications.

You can try recon with both, but I don't see it going anywhere. Good luck if you do pursue it. BTW, telling them it'd be your primary card wouldn't make a difference.

Re: Denied for “Too Many Requests…” Recon Help?

CoolHandSean — Sat, 08 Oct 2022 13:20:55 GMT

Darn! Regarding Citi, I figured suggesting having loyalty to that one card would help since my credit score, credit utilization, and zero late payments ever should suggest that I'm at least somewhat of a responsible cardholder. I did request & recieve a CLI on my only Citi card last month, wonder if that raises a "red flag" for them. Also, prior to the denial I applied for the Citi Double Cash card but was also swiftly denied. I figured I try the AA card because of the annual fee and they might be inclined to approve because of that.

Oh well, I'll report back on what they say. Thanks for your help

Re: Denied for “Too Many Requests…” Recon Help?

M_Smart007 — Sat, 08 Oct 2022 14:37:26 GMT

@OmarGB9 wrote:
"If you're over 5/24 (5 or more revolving accounts within the last 24 months), Chase will be a no go as per their policy."

Citi it sounds like you haven't waited the appropriate amount of time in between applications.

"You can try recon with both, but I don't see it going anywhere." Good luck if you do pursue it. BTW, telling them it'd be your primary card wouldn't make a difference.

@OmarGB9 , Are you 100% sure about that? ^^^^^^^^

https://ficoforums.myfico.com/t5/Credit-Card-Applications/Applied-For-Amazon-Prime-Forgot-That-s-Chase/m-p/6601028#M315417

Of course, I am kind of known for being an "outlier"

outlier.png

Re: Denied for “Too Many Requests…” Recon Help?

OmarGB9 — Sat, 08 Oct 2022 15:45:54 GMT

@M_Smart007 wrote:
@OmarGB9 wrote:
"If you're over 5/24 (5 or more revolving accounts within the last 24 months), Chase will be a no go as per their policy."

Citi it sounds like you haven't waited the appropriate amount of time in between applications.

"You can try recon with both, but I don't see it going anywhere." Good luck if you do pursue it. BTW, telling them it'd be your primary card wouldn't make a difference.
@OmarGB9 , Are you 100% sure about that? ^^^^^^^^
https://ficoforums.myfico.com/t5/Credit-Card-Applications/Applied-For-Amazon-Prime-Forgot-That-s-Chase/m-p/6601028#M315417

Of course, I am kind of known for being an "outlier"
outlier.png

While it's definitely true that there have been approvals for the Chase Amazon Card despite being over 5/24, that's more the exception rather than the rule.

Re: Denied for “Too Many Requests…” Recon Help?

CoolHandSean — Sat, 08 Oct 2022 16:30:01 GMT

Update: Called Chase for reconsideration and was approved for $21.6K

Tried calling Citi but they said I had to wait for the letter to arrive. The email I received from them this morning about submitting multiple applications was basically referencing my Double Cash denial earlier that day. It was not referencing the reason for the Double Cash denial which I have no use for since I was approved for the WF Active Cash right after. If reconsidered for that card I'll take it but if they need to do another HP for the Citi AAdvantage card I'll say don't bother.

Re: Denied for “Too Many Requests…” Recon Help?

M_Smart007 — Sat, 08 Oct 2022 17:07:50 GMT

@CoolHandSean wrote:
Update: Called Chase for reconsideration and was approved for $21.6K

@CoolHandSean , Excellent limit @ $21.6K screamer emoticon.gif

Re: Denied for “Too Many Requests…” Recon Help?

OmarGB9 — Sat, 08 Oct 2022 17:24:25 GMT

@CoolHandSean wrote:
Update: Called Chase for reconsideration and was approved for $21.6K

Tried calling Citi but they said I had to wait for the letter to arrive. The email I received from them this morning about submitting multiple applications was basically referencing my Double Cash denial earlier that day. It was not referencing the reason for the Double Cash denial which I have no use for since I was approved for the WF Active Cash right after. If reconsidered for that card I'll take it but if they need to do another HP for the Citi AAdvantage card I'll say don't bother.

Congrats on the recon! Guess you were one of the lucky few who can bypass the 5/24 rule.

Re: Denied for “Too Many Requests…” Recon Help?

FinStar — Sat, 08 Oct 2022 17:39:06 GMT

@CoolHandSean wrote:
Darn! Regarding Citi, I figured suggesting having loyalty to that one card would help since my credit score, credit utilization, and zero late payments ever should suggest that I'm at least somewhat of a responsible cardholder. I did request & recieve a CLI on my only Citi card last month, wonder if that raises a "red flag" for them. Also, prior to the denial I applied for the Citi Double Cash card but was also swiftly denied. I figured I try the AA card because of the annual fee and they might be inclined to approve because of that.
Oh well, I'll report back on what they say. Thanks for your help

Please post an update depending on the outcome of your reconsideration attempt with Citi (once you receive the letter).

Though, keep in mind in that a variety of cases loyalty or the amount of an AF has no bearing on a lender's decision.

Re: Denied for “Too Many Requests…” Recon Help?

mfinsmi1 — Sat, 08 Oct 2022 20:04:59 GMT

~~chase amazon isnt a lost cause - yes they have 5/24 but people like myself have gotten this card with way over 5.24 ... i think i was at like 8/24 at the time of my approval~~

nvm - saw u called and got approved lol congrats

Re: Denied for “Too Many Requests…” Recon Help?

firefox100 — Sat, 08 Oct 2022 21:01:14 GMT

Way to go it never hurts to call and try a recon, again congratulations enjoy it have fun.

Recon Success Against Citi’s Inquiry Sensitivity?

CoolHandSean — Sun, 09 Oct 2022 03:46:34 GMT

So I was just doing some research on here and discovered Citi is pretty averse to too many inquiries which could explain my denial for the Double Cash card. I had an application spree yesterday but none of those inquiries were reported on my report at the time Citi pulled my Exquifax.

I did however have inquiries from requesting CLI on severs cards, one open account, and two random ones from Citi Bank (CBNA) and Chase which is disconcerting because they just randomly did a HP without my permission (gonna dispute those). Those inquiries were on 8/22. So we got two inquiries for CLI on 9/17 (USAA and Chase) and one for an opened Capital One account.

So that's basically 3 authorized inquiries and 2 unauthorized. Those two unauthorized pulls notwithstanding, would the reconsideration factor in 2 of those 3 authorized inquiries being for CLI's that were approved (one even by Citi themselves?)

Re: Recon Success Against Citi’s Inquiry Sensitivity?

FinStar — Sun, 09 Oct 2022 05:55:16 GMT

@CoolHandSean wrote:
So I was just doing some research on here and discovered Citi is pretty averse to too many inquiries which could explain my denial for the Double Cash card. I had an application spree yesterday but none of those inquiries were reported on my report at the time Citi pulled my Exquifax.

I did however have inquiries from requesting CLI on severs cards, one open account, and two random ones from Citi Bank (CBNA) and Chase which is disconcerting because they just randomly did a HP without my permission (gonna dispute those). Those inquiries were on 8/22. So we got two inquiries for CLI on 9/17 (USAA and Chase) and one for an opened Capital One account.

So that's basically 3 authorized inquiries and 2 unauthorized. Those two unauthorized pulls notwithstanding, would the reconsideration factor in 2 of those 3 authorized inquiries being for CLI's that were approved (one even by Citi themselves?)

Inquiries are inquiries and it includes those performed by the same lender in question, regardless if those are CLI related or for new accounts.

Re: Denied for “Too Many Requests…” Recon Help?

Hoben02 — Sun, 09 Oct 2022 13:53:17 GMT

If you are only showing those two cards in your profile might consider the cap1 venture x. If you are looking for travel cards, but it will require three hard pulls. I know I got denied becuz I had too many cards and this was even after I used to have a cap 1 venture and ran my mortgage psymrnts thru them

Re: Denied for “Too Many Requests…” Recon Help?

SouthJamaica — Sun, 09 Oct 2022 17:16:34 GMT

@CoolHandSean wrote:
Update: Called Chase for reconsideration and was approved for $21.6K

Tried calling Citi but they said I had to wait for the letter to arrive. The email I received from them this morning about submitting multiple applications was basically referencing my Double Cash denial earlier that day. It was not referencing the reason for the Double Cash denial which I have no use for since I was approved for the WF Active Cash right after. If reconsidered for that card I'll take it but if they need to do another HP for the Citi AAdvantage card I'll say don't bother.

Congratulations on your Chase approval.

Re: Denied for “Too Many Requests…” Recon Help?

CoolHandSean — Sun, 09 Oct 2022 23:15:50 GMT

Coincidentally I have that card, I just reach thes spend req to recieve the $75K welcome bonus points too! I was in the process of updating my signature so it was incomplete. Thanks for the suggestion tho! It is a sweet card.