topic Re: Why does CITI hate me in Credit Cards

Why does CITI hate me

CreditGuy03 — Thu, 29 Jan 2015 21:39:52 GMT

I have done nothing wrong to these guys yet they just deny deny deny. I have had a home depot card with them for 5 years, perfect payment history and they can't even give me a CLI from the measly $500 starter limit.

I apply for a Best Buy card and nope. DENIED! Even on Recon. I applied about 6 months ago for a CITI Hilton card and was denied for that as well.

While chase just gave me a new southwest card with a 13k limit and I just got my second barclays (Sallie Mae) with a $5000 limit and even a lowes card (the competitor to home depot) for 1k reconned to 12.5k.

Why is Citi like this?

Re: Why does CITI hate me

Anonymous — Thu, 29 Jan 2015 21:41:57 GMT

@CreditGuy03 wrote:
I have done nothing wrong to these guys yet they just deny deny deny. I have had a home depot card with them for 5 years, perfect payment history and they can't even give me a CLI from the measly $500 starter limit.

I apply for a Best Buy card and nope. DENIED! Even on Recon. I applied about 6 months ago for a CITI Hilton card and was denied for that as well.

While chase just gave me a new southwest card with a 13k limit and I just got my second barclays (Sallie Mae) with a $5000 limit and even a lowes card (the competitor to home depot) for 1k reconned to 12.5k.

Why is Citi like this?

It just happens. Just like Cap1 doesnt like me. I've applied at least 4 times, denial everytime. At least they reasoned it as "short AAoA". What's the reason they said?

Re: Why does CITI hate me

Skye12329 — Thu, 29 Jan 2015 21:42:21 GMT

Maybe they just hate you

Why were you declined? Reasons?

Re: Why does CITI hate me

CreditGuy03 — Thu, 29 Jan 2015 21:43:48 GMT

An old charge off from 2009 with a credit union. was the reason.

Makes no sense. everyone else is approving me with that same CO still showing.

Re: Why does CITI hate me

Anonymous — Thu, 29 Jan 2015 21:45:34 GMT

@CreditGuy03 wrote:
An old charge off from 2009 with a credit union. was the reason.

Makes no sense. everyone else is approving me with that same CO still showing.

Did you call for a recon?

Re: Why does CITI hate me

CreditMagic7 — Thu, 29 Jan 2015 21:51:25 GMT

One thing thats almost certain that i keep seeing in here and have experienced myself is that there always seems to be that one lender in a group that refuses to compete.

Maybe in OP's case, it just happens to be Citi.

Now for me, it was Crap1 and to a lesser extent Discover. Does make you wonder why but not much anymore since with some it's a common trend.

Re: Why does CITI hate me

ibmrad7 — Thu, 29 Jan 2015 22:02:48 GMT

Chase for me. They never approve me

Re: Why does CITI hate me

CreditGuy03 — Thu, 29 Jan 2015 22:06:38 GMT

@CreditMagic7 wrote:
One thing thats almost certain that i keep seeing in here and have experienced myself is that there always seems to be that one lender in a group that refuses to compete.

Maybe in OP's case, it just happens to be Citi.

Now for me, it was Crap1 and to a lesser extent Discover. Does make you wonder why but not much anymore since with some it's a common trend.

Yep Im beginning to agree with this.

I have Barclays, Chase, Cap 1 and SyncB

I have that one Citi home depot from 5 years ago but even that is on the fritz. Cant even get a $100 CLI.

Re: Why does CITI hate me

lhcole77 — Thu, 29 Jan 2015 22:19:51 GMT

Are you EX and EQ scores in your siggy current? Citi might not be keen on them.

Re: Why does CITI hate me

yfan — Thu, 29 Jan 2015 22:21:55 GMT

@CreditGuy03 wrote:

While chase just gave me a new southwest card with a 13k limit and I just got my second barclays (Sallie Mae) with a $5000 limit and even a lowes card (the competitor to home depot) for 1k reconned to 12.5k.

Why is Citi like this?

When you say 'just', how recent are these tradelines? Citi is known to be gun shy when you have a few new accounts showing on your report.

Re: Why does CITI hate me

lhcole77 — Thu, 29 Jan 2015 22:23:08 GMT

@yfan wrote:
@CreditGuy03 wrote:

While chase just gave me a new southwest card with a 13k limit and I just got my second barclays (Sallie Mae) with a $5000 limit and even a lowes card (the competitor to home depot) for 1k reconned to 12.5k.

Why is Citi like this?
When you say 'just', how recent are these tradelines? Citi is known to be gun shy when you have a few new accounts showing on your report.

Yup

Re: Why does CITI hate me

Anonymous — Thu, 29 Jan 2015 22:28:38 GMT

@ibmrad7 wrote:
Chase for me. They never approve me

Amen to that brotha. We all have our mortal enemies. Just gotta keep chasing new friends I suppose. Woops.

Re: Why does CITI hate me

Involver — Thu, 29 Jan 2015 22:25:23 GMT

Citi doesn't hate you.

They have no feelings for you.

Their algorithms have deemed you a risk, and as such they are unwilling to raise the unsecured limit on your card, even with other lenders approving them for you.

Re: Why does CITI hate me

Anonymous — Thu, 29 Jan 2015 22:37:24 GMT

@CreditGuy03 wrote:
I have done nothing wrong to these guys yet they just deny deny deny. I have had a home depot card with them for 5 years, perfect payment history and they can't even give me a CLI from the measly $500 starter limit.

I apply for a Best Buy card and nope. DENIED! Even on Recon. I applied about 6 months ago for a CITI Hilton card and was denied for that as well.

While chase just gave me a new southwest card with a 13k limit and I just got my second barclays (Sallie Mae) with a $5000 limit and even a lowes card (the competitor to home depot) for 1k reconned to 12.5k.

Why is Citi like this?

I'm the same with Discover. They would never raise mine from $750. At this point, I don't really care since I got other card to worry about lol

Re: Why does CITI hate me

IWOL — Thu, 29 Jan 2015 22:43:24 GMT

OP.... I have had a very similar experince with Citi.

I have 5 Chase Cards, 4 Amex.....plus many others, average limit around 10K but 5 as high as 25K and Citi keeps denying me.

I was very interested in the Thank You Premier becuase they have EVA Air as a transfer partner.

I have applied twice in the last 6 months and denied both times, despite 718 EX Fico,8% util.

It seems they do not like new accounts, i have added around 5 over rthe last 6 or 7 months.

I do have a BB Mastercard with a 10K limit but that started with Cap 1.

I was approved for the Ritz card with a 23K limit just a few days before I applied for the Thank You Premier, both EX pulls.

Re: Why does CITI hate me

Anonymous — Thu, 29 Jan 2015 22:50:32 GMT

@Involver wrote:
Citi doesn't hate you.

They have no feelings for you.

Their algorithms have deemed you a risk, and as such they are unwilling to raise the unsecured limit on your card, even with other lenders approving them for you.

Re: Why does CITI hate me

Involver — Thu, 29 Jan 2015 23:02:54 GMT

Well I mean honestly what was I supposed to post?

A little pragmatism never hurt anybody.

I don't get why people take credit so personally that they attach feelings and intentions to lenders.

Re: Why does CITI hate me

chalupaman — Thu, 29 Jan 2015 23:06:25 GMT

I really don't think you're missing out on that much from Citi anyway. You have some pretty good cards in your sig already.

Re: Why does CITI hate me

CreditMagic7 — Thu, 29 Jan 2015 23:14:34 GMT

@Involver wrote:
Well I mean honestly what was I supposed to post?

A little pragmatism never hurt anybody.

I don't get why people take credit so personally that they attach feelings and intentions to lenders.

I admit that i am also guilty of the nonsense emotional aspect of matters on occasion myself, or did, until finding the antidote, as in severing ties with the offending party.

Re: Why does CITI hate me

Anonymous — Thu, 29 Jan 2015 23:20:57 GMT

@Involver wrote:
Well I mean honestly what was I supposed to post?

A little pragmatism never hurt anybody.

I don't get why people take credit so personally that they attach feelings and intentions to lenders.

I know man, just kidding a bit. I think of these posts as more of folks blowing off steam.