topic Re: Is Citi trying to be funny? in Credit Cards

Is Citi trying to be funny?

Anonymous — Tue, 14 Jul 2015 21:16:54 GMT

Back on June 26 I left the Garden after 2 months to apply for the Citi Double Cash. I went to their website and I had a pre-qual with specific APR. So, I applied and was promptly turned down. Two recons later I was told there was no way I would get the card at all because of too many INQs and new cards and it's totally against their rules to make any exceptions. I accepted it and decided I never needed a Citi card. I started this thread about the whole experience: http://ficoforums.myfico.com/t5/Credit-Card-Applications/Citi-Double-Cash-Decline/td-p/4095676

So, I'm over Citi and decided I am moving on and that's it. I came home from work tonight and there was a letter from Citi - it's a Pre-Selected offer for a Citi Diamond Preferred Card!! WTH??? I guess they're trying to throw salt on the wound or something. They took 2 HP from EX and EQ, turned me down, sent me a rejection letter with really bogus reasons, and then I get this the next week.

Should I call and ask what's up and why they would even consider sending this (which I have absolutely no interest in - plus it's a Citi bank card). I'm definitely in the mood to go a few rounds with them!!!

Re: Is Citi trying to be funny?

Anonymous — Tue, 14 Jul 2015 21:14:18 GMT

@Anonymous wrote:
Back on June 26 I left the Garden after 2 months to apply for the Citi Double Cash. I went to their website and I had a pre-qual with specific APR. So, I applied and was promptly turned down. Two recons later I was told there was no way I would get the card at all because of too many INQs and new cards and it's totally against their rules to make any exceptions. I accepted it and decided I never needed a Citi card. I started this thread about the whole experience: http://ficoforums.myfico.com/t5/Credit-Card-Applications/Citi-Double-Cash-Decline/m-p/4123261#M73213

So, I'm over Citi and decided I am moving on and that's it. I came home from work tonight and there was a letter from Citi - it's a Pre-Selected offer for a Citi Diamond Preferred Card!! WTH??? I guess they're trying to throw salt on the wound or something. They took 2 HP from EX and EQ, turned me down, sent me a rejection letter with really bogus reasons, and then I get this the next week.

Should I call and ask what's up and why they would even consider sending this (which I have absolutely no interest in - plus it's a Citi bank card). I'm definitely in the mood to go a few rounds with them!!!

Wow! Don't know a lot about Citi. Hopefully you can get input from forum members. That's crazy!

Re: Is Citi trying to be funny?

Ghoshida — Tue, 14 Jul 2015 21:18:07 GMT

@Anonymous wrote:
Back on June 26 I left the Garden after 2 months to apply for the Citi Double Cash. I went to their website and I had a pre-qual with specific APR. So, I applied and was promptly turned down. Two recons later I was told there was no way I would get the card at all because of too many INQs and new cards and it's totally against their rules to make any exceptions. I accepted it and decided I never needed a Citi card. I started this thread about the whole experience: http://ficoforums.myfico.com/t5/Credit-Card-Applications/Citi-Double-Cash-Decline/td-p/4095676

So, I'm over Citi and decided I am moving on and that's it. I came home from work tonight and there was a letter from Citi - it's a Pre-Selected offer for a Citi Diamond Preferred Card!! WTH??? I guess they're trying to throw salt on the wound or something. They took 2 HP from EX and EQ, turned me down, sent me a rejection letter with really bogus reasons, and then I get this the next week.

Should I call and ask what's up and why they would even consider sending this (which I have absolutely no interest in - plus it's a Citi bank card). I'm definitely in the mood to go a few rounds with them!!!

The Diamond Preferred card mailer is pure marketing and nothing but a joke. I get it about once a month. Don't fuss about it. Throw it in the shredder ... unless you really want to go through that ordeal again.

The mailer department of that card doesn't really check with the credit department, it seems

Re: Is Citi trying to be funny?

Anonymous — Tue, 14 Jul 2015 21:20:51 GMT

@Anonymous wrote:
Back on June 26 I left the Garden after 2 months to apply for the Citi Double Cash. I went to their website and I had a pre-qual with specific APR. So, I applied and was promptly turned down. Two recons later I was told there was no way I would get the card at all because of too many INQs and new cards and it's totally against their rules to make any exceptions. I accepted it and decided I never needed a Citi card. I started this thread about the whole experience: http://ficoforums.myfico.com/t5/Credit-Card-Applications/Citi-Double-Cash-Decline/td-p/4095676

So, I'm over Citi and decided I am moving on and that's it. I came home from work tonight and there was a letter from Citi - it's a Pre-Selected offer for a Citi Diamond Preferred Card!! WTH??? I guess they're trying to throw salt on the wound or something. They took 2 HP from EX and EQ, turned me down, sent me a rejection letter with really bogus reasons, and then I get this the next week.

Should I call and ask what's up and why they would even consider sending this (which I have absolutely no interest in - plus it's a Citi bank card). I'm definitely in the mood to go a few rounds with them!!!

Still don't believe them! Sorry to hear. I would call one more time. I got the Citi DC and you know I have a lot on inq's & new cc's over the past 3 months. I did ask for a cli on the DC last night but don't think I will get it. Maybe their site went the way of BofA and Discover?

Re: Is Citi trying to be funny?

Anonymous — Tue, 14 Jul 2015 21:21:15 GMT

@Anonymous wrote:
Back on June 26 I left the Garden after 2 months to apply for the Citi Double Cash. I went to their website and I had a pre-qual with specific APR. So, I applied and was promptly turned down. Two recons later I was told there was no way I would get the card at all because of too many INQs and new cards and it's totally against their rules to make any exceptions. I accepted it and decided I never needed a Citi card. I started this thread about the whole experience: http://ficoforums.myfico.com/t5/Credit-Card-Applications/Citi-Double-Cash-Decline/m-p/4123261#M73213

So, I'm over Citi and decided I am moving on and that's it. I came home from work tonight and there was a letter from Citi - it's a Pre-Selected offer for a Citi Diamond Preferred Card!! WTH??? I guess they're trying to throw salt on the wound or something. They took 2 HP from EX and EQ, turned me down, sent me a rejection letter with really bogus reasons, and then I get this the next week.

Should I call and ask what's up and why they would even consider sending this (which I have absolutely no interest in - plus it's a Citi bank card). I'm definitely in the mood to go a few rounds with them!!!

The Diamond Preferred is a what I like to call an "Introduction to Citi" product. I've known several to get a decline from them and within months (providing their credit meets certain criteria) receiving this offer. It is solid and is a great prybar for all things Citi.

Re: Is Citi trying to be funny?

coldnmn — Tue, 14 Jul 2015 21:21:38 GMT

Unfortunately it's marketing! The credit reporting agency sells your information to credit card companies that you fit the criteria and Citi sends mass offers to those listed. It's all done by computer.

Re: Is Citi trying to be funny?

Coolermaster007 — Tue, 14 Jul 2015 21:22:28 GMT

I have the Double Cash from then let me tell you Citi is the only bank out all mayor ones I have that had made me raise my voice in the middle of the mall its crazy I hate then.pain in the ass this bank.& Capital One treats me like king

Re: Is Citi trying to be funny?

Anonymous — Tue, 14 Jul 2015 21:22:53 GMT

@coldnmn wrote:
Unfortunately it's marketing! The credit reporting agency sells your information to credit card companies that you fit the criteria and Citi sends mass offers to those listed. It's all done by computer.

I never get any pre quals except for Cap One anyway. Always cold app.

Re: Is Citi trying to be funny?

Anonymous — Tue, 14 Jul 2015 21:27:34 GMT

Sandibeach - hope you get the CLI! It's amazing that our situations are very similar as far as UW goes, but mine is just totally a flat out NO WAY. I truly am done with them and I will continue to stick with my Barclays, Capital One and Discover cards because those banks have treated me the best over the years. Citi lost me from ever applying for their cards again. They lost in my opinion.

Re: Is Citi trying to be funny?

FinStar — Tue, 14 Jul 2015 21:30:21 GMT

@Ghoshida wrote:
@Anonymous wrote:
Back on June 26 I left the Garden after 2 months to apply for the Citi Double Cash. I went to their website and I had a pre-qual with specific APR. So, I applied and was promptly turned down. Two recons later I was told there was no way I would get the card at all because of too many INQs and new cards and it's totally against their rules to make any exceptions. I accepted it and decided I never needed a Citi card. I started this thread about the whole experience: http://ficoforums.myfico.com/t5/Credit-Card-Applications/Citi-Double-Cash-Decline/td-p/4095676

So, I'm over Citi and decided I am moving on and that's it. I came home from work tonight and there was a letter from Citi - it's a Pre-Selected offer for a Citi Diamond Preferred Card!! WTH??? I guess they're trying to throw salt on the wound or something. They took 2 HP from EX and EQ, turned me down, sent me a rejection letter with really bogus reasons, and then I get this the next week.

Should I call and ask what's up and why they would even consider sending this (which I have absolutely no interest in - plus it's a Citi bank card). I'm definitely in the mood to go a few rounds with them!!!
The Diamond Preferred card mailer is pure marketing and nothing but a joke. I get it about once a month. Don't fuss about it. Throw it in the shredder ... unless you really want to go through that ordeal again.

The mailer department of that card doesn't really check with the credit department, it seems

This exactly OP. Why take it personal? They send thousands and thousands of these offers all the time. Even one of my family members gets them despite of having an active DP card!

The movie Frozen comes to mind OP. Let it go, let it go...

Re: Is Citi trying to be funny?

Anonymous — Tue, 14 Jul 2015 21:31:15 GMT

In the experienced of those close to me, the Diamond Preferred offer after a decline for a card from them appears to be solid and great prybar into all things Citi. Think about it.

Re: Is Citi trying to be funny?

FinStar — Tue, 14 Jul 2015 21:32:40 GMT

@Anonymous wrote:
@Anonymous wrote:
Back on June 26 I left the Garden after 2 months to apply for the Citi Double Cash. I went to their website and I had a pre-qual with specific APR. So, I applied and was promptly turned down. Two recons later I was told there was no way I would get the card at all because of too many INQs and new cards and it's totally against their rules to make any exceptions. I accepted it and decided I never needed a Citi card. I started this thread about the whole experience: http://ficoforums.myfico.com/t5/Credit-Card-Applications/Citi-Double-Cash-Decline/td-p/4095676

So, I'm over Citi and decided I am moving on and that's it. I came home from work tonight and there was a letter from Citi - it's a Pre-Selected offer for a Citi Diamond Preferred Card!! WTH??? I guess they're trying to throw salt on the wound or something. They took 2 HP from EX and EQ, turned me down, sent me a rejection letter with really bogus reasons, and then I get this the next week.

Should I call and ask what's up and why they would even consider sending this (which I have absolutely no interest in - plus it's a Citi bank card). I'm definitely in the mood to go a few rounds with them!!!
Still don't believe them! Sorry to hear. I would call one more time. I got the Citi DC and you know I have a lot on inq's & new cc's over the past 3 months. I did ask for a cli on the DC last night but don't think I will get it. Maybe their site went the way of BofA and Discover?

Sorry, but in this case, once Citi has declined the reconsideration, it's a done deal. Besides, it wasn't long ago that the OP gave it the middle finger when he got approved for another card so any further efforts to resucitate the previous denial will be futile. That's just how Citi rolls. Just my .02c.

Re: Is Citi trying to be funny?

Anonymous — Tue, 14 Jul 2015 21:37:30 GMT

@Anonymous wrote:
Sandibeach - hope you get the CLI! It's amazing that our situations are very similar as far as UW goes, but mine is just totally a flat out NO WAY. I truly am done with them and I will continue to stick with my Barclays, Capital One and Discover cards because those banks have treated me the best over the years. Citi lost me from ever applying for their cards again. They lost in my opinion.

Thanks & I hear ya! It's like some banks just don't like us. But don't let it get you down. I know Amex had me pretty darn mad. Not expecting anything from Citi. They're very slow in giving cli's. I agree 100% on Barclay's & Cap One & Discover. Idk, maybe there's something we need to prove to them? Chase & Synch gave me a bit more.

Re: Is Citi trying to be funny?

coldnmn — Tue, 14 Jul 2015 22:04:48 GMT

No love for Citi here. They denied me for a card four years ago so I have been shredding everything since. I finally fell for the Citi DC. They did two HPs 1 each EX and EQ the only inquiries I had was two on TU nothing on the other two. I got a wopping $1500 CL. The only bright side is they quit sending me garbage every week. It's a $5-$30 monthly spend until my Discover DC is done. They say US Bank is conservative not to me. My suggestion move on and don't look back.

Re: Is Citi trying to be funny?

Anonymous — Tue, 14 Jul 2015 22:52:45 GMT

@Ghoshida wrote:
@Anonymous wrote:
Back on June 26 I left the Garden after 2 months to apply for the Citi Double Cash. I went to their website and I had a pre-qual with specific APR. So, I applied and was promptly turned down. Two recons later I was told there was no way I would get the card at all because of too many INQs and new cards and it's totally against their rules to make any exceptions. I accepted it and decided I never needed a Citi card. I started this thread about the whole experience: http://ficoforums.myfico.com/t5/Credit-Card-Applications/Citi-Double-Cash-Decline/td-p/4095676

So, I'm over Citi and decided I am moving on and that's it. I came home from work tonight and there was a letter from Citi - it's a Pre-Selected offer for a Citi Diamond Preferred Card!! WTH??? I guess they're trying to throw salt on the wound or something. They took 2 HP from EX and EQ, turned me down, sent me a rejection letter with really bogus reasons, and then I get this the next week.

Should I call and ask what's up and why they would even consider sending this (which I have absolutely no interest in - plus it's a Citi bank card). I'm definitely in the mood to go a few rounds with them!!!
The Diamond Preferred card mailer is pure marketing and nothing but a joke. I get it about once a month. Don't fuss about it. Throw it in the shredder ... unless you really want to go through that ordeal again.

The mailer department of that card doesn't really check with the credit department, it seems

I received the mailer last week for the Diamond Preferred, applied on line and was approved 2 days later.

Right now waiting to see if the DW gets approved as her app was submitted 3 days later.

I think the Double Cash card has more stringent underwriting criteria. And yes they pulled Ex and Eq.

Re: Is Citi trying to be funny?

kdm31091 — Tue, 14 Jul 2015 23:36:12 GMT

I agree some banks just do not like us. Citi pestered me with the Diamond prequal almost every single week in the mail. I scoured the Internet looking for even one real advantage of the card and came up with nothing; the Easy Deals are unanimously panned as being useless and the 0% period is something you can get with a Double Cash which is more useful down the line, albeit they are stingy with CLs on it.

So I did go for the DC and got a whopping $2.5k when most of my other cards are 5k plus. Bit ridiculous but it's just how they are with me. Last year, when I had a DC it was 1k and I closed it almost immediately out of sheer frustration. I mean, if Citi is gonna market a general spend card they need to make it useful for general spend! It will serve its purpose for me for the 0% I wanted but beyond that, if it doesn't grow well I will just revert to my QS which I am definitely keeping open for backup.

Re: Is Citi trying to be funny?

taxi818 — Tue, 14 Jul 2015 23:41:23 GMT

@Anonymous wrote:
Back on June 26 I left the Garden after 2 months to apply for the Citi Double Cash. I went to their website and I had a pre-qual with specific APR. So, I applied and was promptly turned down. Two recons later I was told there was no way I would get the card at all because of too many INQs and new cards and it's totally against their rules to make any exceptions. I accepted it and decided I never needed a Citi card. I started this thread about the whole experience: http://ficoforums.myfico.com/t5/Credit-Card-Applications/Citi-Double-Cash-Decline/td-p/4095676

So, I'm over Citi and decided I am moving on and that's it. I came home from work tonight and there was a letter from Citi - it's a Pre-Selected offer for a Citi Diamond Preferred Card!! WTH??? I guess they're trying to throw salt on the wound or something. They took 2 HP from EX and EQ, turned me down, sent me a rejection letter with really bogus reasons, and then I get this the next week.

Should I call and ask what's up and why they would even consider sending this (which I have absolutely no interest in - plus it's a Citi bank card). I'm definitely in the mood to go a few rounds with them!!!

Sorry. If you use the invitation code it is almost guranteed. hehehe. I know you will not. sorry .Steel. formally Vulc.

Re: Is Citi trying to be funny?

taxi818 — Tue, 14 Jul 2015 23:45:30 GMT

@coldnmn wrote:
No love for Citi here. They denied me for a card four years ago so I have been shredding everything since. I finally fell for the Citi DC. They did two HPs 1 each EX and EQ the only inquiries I had was two on TU nothing on the other two. I got a wopping $1500 CL. The only bright side is they quit sending me garbage every week. It's a $5-$30 monthly spend until my Discover DC is done. They say US Bank is conservative not to me. My suggestion move on and don't look back.

Me Exactly. hehehe.

Re: Is Citi trying to be funny?

Anonymous — Tue, 14 Jul 2015 23:59:58 GMT

@taxi818 wrote:
@Anonymous wrote:
Back on June 26 I left the Garden after 2 months to apply for the Citi Double Cash. I went to their website and I had a pre-qual with specific APR. So, I applied and was promptly turned down. Two recons later I was told there was no way I would get the card at all because of too many INQs and new cards and it's totally against their rules to make any exceptions. I accepted it and decided I never needed a Citi card. I started this thread about the whole experience: http://ficoforums.myfico.com/t5/Credit-Card-Applications/Citi-Double-Cash-Decline/td-p/4095676

So, I'm over Citi and decided I am moving on and that's it. I came home from work tonight and there was a letter from Citi - it's a Pre-Selected offer for a Citi Diamond Preferred Card!! WTH??? I guess they're trying to throw salt on the wound or something. They took 2 HP from EX and EQ, turned me down, sent me a rejection letter with really bogus reasons, and then I get this the next week.

Should I call and ask what's up and why they would even consider sending this (which I have absolutely no interest in - plus it's a Citi bank card). I'm definitely in the mood to go a few rounds with them!!!
Sorry. If you use the invitation code it is almost guranteed. hehehe. I know you will not. sorry .Steel. formally Vulc.

I'll app for it when Pete Rose gets elected to the HOF

Re: Is Citi trying to be funny?

Existentialist — Wed, 15 Jul 2015 01:04:14 GMT

So I was gonna suggest u not bother app'ing a different Citi card but it turns out u already talked yourself out of doing so. Thanx for nuthin bub (lol).