topic Citi Premier Decline - recon? in Credit Card Applications

Citi Premier Decline - recon?

jwcc1205 — Tue, 20 Jun 2023 18:12:11 GMT

Hello all,

I recently applied for a Citi Premier card and was declined due to too many recent inquiries on my credit report. Currently I have 10 inquired on my Experian (the one they pulled) with 3 being from the last 12 months (including the one that they did when I applied) and 3 were due to shopping around for car loan rates when I purchased my car about 13 months ago. I called and they said that they didn't do any reconsideration over the phone. I did read online that you can send a letter to their executive office. Is there any possibility over the phone, and would it be worthwhile to send a letter through the mail to them for possible reconsideration?

Thank you!

Re: Citi Premier Decline - recon?

CreditCuriosity — Tue, 20 Jun 2023 19:09:41 GMT

Yes you can recon if it was for a car loan, they will check what type of inquiries though. Doesn't mean they will overchange the decision though and might cost another HP. # can be found on sticky post of this sub-forum. Citi is pretty tight these days with accounts/inquires within last 6 months.

Re: Citi Premier Decline - recon?

Mones — Wed, 21 Jun 2023 00:03:49 GMT

I agree with the other response on this thread. Citi seems to be pretty stingy with approvals although I would have thought you could do a recon over the phone, maybe Executive Office? Anyway, good luck!