topic Re: Applied for the citi Rewards+, I done messed up.... in Credit Card Applications

Applied for the citi Rewards+, I done messed up....

ptatohed — Fri, 10 Feb 2023 00:59:12 GMT

So after months and months of patiently waiting (was waiting for a few inqs to fall off and I was waiting to see if the 5x dining first year would come back - which it didn't), I finally pulled the trigger last night.

I should have learned from when I applied for my citi SYW MC last summer when I had my reports frozen. Well, this time I only had EQ frozen but I had forgotten that I did. I'm not even to the total bonehead move yet. So, I filled everything out and hit 'Agree and Submit'. Well, on the next page, they informed me that my EQ was frozen and gave me a chance to thaw it. I thought that was pretty cool. I opened up another window, surfed to Equifax, and thawed (unfroze?) my report. Or so I thought. I went back to citi, picked the option "I have thawed my report" and hit the continue button.

On the following screen, I get a message saying something like 'we need to review your application further and we will inform you of our results in 7 - 10 days'. I was confused why I didn't get an instant approval. I went back to my EQ web page and noticed at the bottom of the page there was one more button I was supposed to click. Something like 'You are about to unfreeze your report, click here to continue'. Doh!

It's only been 15 hours but I have not heard from citi yet. Oh the suspense!!

Re: Applied for the citi Rewards+, I done messed up....

1GaDawg85 — Thu, 09 Feb 2023 23:21:46 GMT

@ptatohed wrote:
So after months and months of patiently waiting (was waiting for a few inqs to fall off and I was waiting to see if the 5x dining first year would come back - which it didn't), I finally pulled the trigger last night.

I should have learned from when I applied for my citi SYW MC last summer when had my reports frozen. Well, this time I only had EQ frozen but I had forgotten that I did. I'm not even to the total bonehead move yet. So, I filled everything out and hit 'Agree and Submit'. Well, on the next page, they informed me that my EQ was frozen and gave me a chance to thaw it. I thought that was pretty cool. I opened up another window, surfed to Equifax, and thawed (unfroze?) my report. Or so I thought. I went back to citi, picked the option "I have thawed my report" and hit the continue button.

On the following screen, I get a message saying something like 'we need to review your application further and we will inform you of our results in 7 - 10 days'. I was confused why I didn't get an instant approval. I went back to my EQ web page and noticed at the bottom of the page there was one more button I was supposed to click. Something like 'You are about to unfreeze your report, click here to continue'. Doh!
It's only been 15 hours but I have not heard from citi yet. Oh the suspense!!

Always scroll to the bottom of the page!

Re: Applied for the citi Rewards+, I done messed up....

sccredit — Thu, 09 Feb 2023 23:32:39 GMT

Well, that definitely stinks. Look on the positive side, at least you dind't get a hard pull...

Re: Applied for the citi Rewards+, I done messed up....

nytokyobred79 — Fri, 10 Feb 2023 02:58:57 GMT

Have you tried calling to see if a credit analyst can pull in real time assuming that the system doesn't try to re-pull itself. I've had a situation where an app went to pending bc I hadn't unfrozen my Exp. I called in and the analyst helped me in real time and was able to process on the spot. I was anxious to call in but in the cases of pending apps, etc., I think it's worth calling. But regardless, I wish you good luck. Considering it wasn't an outright denial leaves some hope.Give them a call if you hear nothing by the next day.

Re: Applied for the citi Rewards+, I done messed up....

ptatohed — Fri, 10 Feb 2023 07:00:58 GMT

@nytokyobred79 wrote:
Have you tried calling to see if a credit analyst can pull in real time assuming that the system doesn't try to re-pull itself. I've had a situation where an app went to pending bc I hadn't unfrozen my Exp. I called in and the analyst helped me in real time and was able to process on the spot. I was anxious to call in but in the cases of pending apps, etc., I think it's worth calling. But regardless, I wish you good luck. Considering it wasn't an outright denial leaves some hope.Give them a call if you hear nothing by the next day.

Yes, thank you. They said they would process my app and get back to me so I think I will wait for now. But I may eventually call.

Re: Applied for the citi Rewards+, I done messed up....

ptatohed — Fri, 10 Feb 2023 07:10:30 GMT

Amazing coincidence..... mrs. ptatohed received a 'pre-selection' (not to be confused with a pre-approval!!) in the US mail today for the Rewards+. What are the odds of her receiving a mailer the day after I (finally) apply?

Anyway, the mailer is pretty funny. It tells you that 8 out of 10 people who receive the offer get accepted. And the killer? Only a $100 intro bonus compared to the $200 you can get online.

Re: Applied for the citi Rewards+, I done messed up....

nytokyobred79 — Fri, 10 Feb 2023 07:47:28 GMT

Good Luck. I just came off of a mini spree and went 2/4. Citi and Chase were the ones who outright declined me. Chase, well, I'm at 6/24 and tried to sneak in a co-branded card since I already have 2 Chase cards. And then, Citi was the other who rejected me. In the case of Citi, we have a lukewarm relationship. They are one of my banks for basic checking but not my regular savings. I barely keep anything in the acct and use their checking to pay for other cards, etc. Without having seen the denial letter, my guess could be inquiries and the fact that I over-drafted with them a few times 9-10 years ago. It was an immediate denial. I hope that you get approved especially since it wasn't a denial and the reason they provided seems to allude to further consideration 🙏

Hoping for an approval to come your way 😀

Re: Applied for the citi Rewards+, I done messed up....

nytokyobred79 — Fri, 10 Feb 2023 07:48:39 GMT

Will she take a stab at the card too? Or perhaps, if you get approved, maybe there's a decent referral bonus/SUB for you both.

Re: Applied for the citi Rewards+, I done messed up....

ptatohed — Fri, 10 Feb 2023 08:12:27 GMT

@nytokyobred79 wrote:
Will she take a stab at the card too? Or perhaps, if you get approved, maybe there's a decent referral bonus/SUB for you both.

Well, we certainly don't need two R+ cards. I am mainly getting it to amplify my citi DC and CC TYPs by 10%. And of course the $200 bonus. And I am intrigued by the 10x roundup, especially for small purchases. I haven't seen a citi referral bonus on credit cards before other than the checking/savings account I opened with $75k just to get the $1,000 bonus after 21+60 days (already received). You get $100 per referral. I'm trying to talk my sister and bro-in-law into it, I told them I'll give them $50, lol. Even if mrs. ptatohed were to apply (maybe if I get declined?), we would do it online, not using the mailer, for a $200, not $100, bonus. My credit is otherwise spotless, except for a medical collection showing up only on Experian (744 EX score, low 800s TU and EQ). My wife is in the 800s all around.

Re: Applied for the citi Rewards+, I done messed up....

ptatohed — Fri, 10 Feb 2023 21:44:14 GMT

There is a web link where you can check the status of your application. Doesn't tell me much more than I knew other than the hopeful 24 hour tease. At least it appears they are reviewing my app. I suspect it is a generic message because it says 7 -10 days but it has already been 2 days (well, ok, 1.5, lol).

https://www.citicards.com/cards/credit/application/flow.action?ID=ApplicationStatus&langId=EN

Re: Applied for the citi Rewards+, I done messed up....

ptatohed — Sun, 12 Feb 2023 08:41:52 GMT

I finally received an e-mail but it didn't help too much. Come on citi! The suspense is killing me, lol!

Re: Applied for the citi Rewards+, I done messed up....

ptatohed — Mon, 13 Feb 2023 08:59:23 GMT

Shoot! citi called the home phone today. It was automated. My wife tried to go through the automated prompts until it said they were going to transfer her to a live rep. I was at Knott's Berry Farm with the kids. I'll call tomorrow.

Re: Applied for the citi Rewards+, I done messed up....

ptatohed — Tue, 14 Feb 2023 07:43:56 GMT

Called citi today (Monday 02-13) and after being on hold, was then transferred to another department. Then, after I got through to that department, I was given another number that I needed to hang up and call. That third rep said to just wait for a letter in the mail which will give me a number and a code to call to further process my application. Good grief. She said the letter was only first mailed this morning, Monday. Long wait ahead! lol. I did get an alert today from Experian that Equifax reported a new inquiry from CBNA (why today for the first time?). I'll report as I find out more but it might be looking like citi only pulls EQ? I live in CA. I hope so, as I have a baddy that only shows up on my EX.

Re: Applied for the citi Rewards+, I done messed up....

CreditCuriosity — Tue, 14 Feb 2023 16:08:26 GMT

Citi is known to double pull for alot of people depending.. Always plan on double and hope for a single with Citi...

Re: Applied for the citi Rewards+, I done messed up....

nytokyobred79 — Wed, 15 Feb 2023 04:56:06 GMT

Best of luck. CNBA only pulls EX in NY, well, at least, in my case, they did. With the exception of my Cap1, I've only had EX pulled for all my credit apps. Cap1 tried all three but I had EQ frozen.

hoping for a positive outcome for you @ptatohed 😊

Re: Applied for the citi Rewards+, I done messed up....

ptatohed — Sat, 18 Feb 2023 01:22:53 GMT

Well, I received a letter from citi today but I don't think this is the letter I was told about during my phone call on 02-13. This letter is dated 02-10, the day after I originally applied so it probably was auto-generated and sent out. Still waiting...... lol

Re: Applied for the citi Rewards+, I done messed up....

ptatohed — Thu, 23 Feb 2023 08:16:54 GMT

Super, super stoked. I got my approval tonight 02-22. I finally got the letter with the reference #. They would not talk to me on the phone without that reference #. $7500 limit.

https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Citi-Rewards-7500-Approval/td-p/6648203

Re: Applied for the citi Rewards+, I done messed up....

kh_jenn — Thu, 23 Feb 2023 15:40:24 GMT

This thread is now closed to new replies. Feel free to continue the discussion in Credit Card Approvals. Thank you!