topic Re: Citibank pissed me oFF in Credit Cards

Citibank pissed me oFF

Anonymous — Tue, 02 Jun 2009 20:27:18 GMT

Here's my story:

I applied back in March for a Dividend Mastercard and my application was turned down due to incorrect information on my CR. Then two months later I got my CR error fixed and everything is clean with a FICO score of 733, So I decided to resubmit the application today and was turn down again for the reasons: *drum roll* TOO MUCH INQUIRIES on my CR. I called the backdoor number right away after i submitted the application and was declined instantly, so they asked me about the inquiries and so I explained, explained and explained. They still decline my application. Then I continued the conversation with the CS person and I told them you are human and i'm sure you can overwrite the decision. I also told them, you guys make the policy and why can't you change the policy. They still say No again due to inquiries. They said, an applicants can only have 3 inquiries within 6months or a year. THe fact is that I only have 6 inquiries with recently new account with BoA and Amex and Walmart and from the past year. I'm still pissed off at Citibank and I dont think I will again ever apply with them again. I called again twice and was not very successful. DON'T DO BUSINESS WITH CITIBANK. WORST Customer Service...

Message Edited by CreditCard101 on 06-02-2009 01:27 PM

Re: Citibank pissed me oFF

Itsmeagain — Tue, 02 Jun 2009 20:34:12 GMT

Credit Unions Rule. Banks are too flakey in this credit climate.

Re: Citibank pissed me oFF

Anonymous — Tue, 02 Jun 2009 22:02:20 GMT

Sounds like to me Citi just didnt want to approve you.

Re: Citibank pissed me oFF

FocusOnFICO — Tue, 02 Jun 2009 22:51:51 GMT

In this climate, the lines are getting harder. Many here have sung the praises of credit unions and I agree that much can be gained.

Although the Dividend Mastercard is good, if it's not in the near future for you, please consider some of the other strategies listed on the threads.

Re: Citibank pissed me oFF

Anonymous — Tue, 02 Jun 2009 23:28:38 GMT

I agree Credit Union are the best place to hangout with, however, credit unions do not have many credit card choices with rewards program available etc. I have a 10K limit on my CU Mastercard. Previously 6,500 CL and I requested for the increase on Friday and was approved to 10K. Then an inquiry reported on my credit report (Equifax) and that inquiry also hurt me when I spoke to Citi CS people..Grrrr..

Re: Citibank pissed me oFF

Anonymous — Tue, 02 Jun 2009 23:33:03 GMT

cartercorp:

Yeah it sounded obviously they dont want to approve me. I can tell the tone from the person (a lady) I was spoken too...

So far my experience with all these big banks customer service...I ranked the follow from WORST to BEST/BETTER

Citi = Rude and DumbF**K

Chase = Okay but NOT very satisfactory but better than Citi

Bank of America = Better than Citi and Chase

AMEX = Equal to BoA

Message Edited by CreditCard101 on 06-02-2009 04:33 PM

Re: Citibank pissed me oFF

My2cents — Wed, 03 Jun 2009 00:32:36 GMT

Sorry to hear that CreditCard101, but you may be using the information learned in the wrong class.

You want to use the information learned in CreditCard202. Then again what do I know, I can only give My2cents.

Now Im pissed at Citi for making you mad.

Re: Citibank pissed me oFF

Anonymous — Wed, 03 Jun 2009 00:55:39 GMT

Yeah maybe i should be taking Master Degree in CreditCard 202 Class instead....Credit Card 101 doesnt work these days...Learn my Lesson, No more credt card applications in 2009/2010....DONE

Amex, BoA, Credit Union, Walmart card....This is enough in my wallet..What I learned today is making me upset and never want to apply for anymore!!

Re: Citibank pissed me oFF

Anonymous — Wed, 03 Jun 2009 07:17:06 GMT

I have a citi card. Was my 1st credit card I applied for after getting an Express store card. I think it is wrong to say they have bad customer service. We might not agree with who they do or do not lend to, but they have to look after themselves being in the situation they are in with our economy. They did just borrow $45 billion from the government. Although Im sorry to hear you didn't get the card, its wrong to say they have bad customer service. At least in my experience with them.

Re: Citibank pissed me oFF

athensguy — Wed, 03 Jun 2009 16:15:15 GMT

733 might be a bit low for an approval. 6 inquiries might be enough that a lot of issuers would take notice. Since you gave a score, I'm assuming they pulled EQ on you.

Re: Citibank pissed me oFF

Anonymous — Wed, 03 Jun 2009 18:56:17 GMT

Yeah they pulled Equifax and i pull my credit report and score from Equifax and it says 733 and in VERY GOOD categories..The inquiries in my CR is killing me..But it shouldn't be a major factor in making decision.

Re: Citibank pissed me oFF

Anonymous — Wed, 03 Jun 2009 20:11:08 GMT

CreditCard101,

From my experience with CITI, your approval many times depends on the card you apply for. For example, you have better chance being approved for the basic Diamond Preferred than the Platinum Select, Elite Pass, or co-branded (HHonors, Amex). When first applying, and if you don't have a long payment history with high CLs, apply for their basic cards (i.e. Diamond Preferred, Forward). After a reasonable payment history with those cards, CITI is more than willing to transfer your card to a different one, if you so desire

Re: Citibank pissed me oFF

smallfry — Wed, 03 Jun 2009 20:25:35 GMT

Platinum Select is an elite Citi card? In what way?

Re: Citibank pissed me oFF

athensguy — Wed, 03 Jun 2009 22:45:06 GMT

@smallfry wrote:
Platinum Select is an elite Citi card? In what way?

The previous poster was probably referring to the Premier Pass Elite.

However, although I didn't even realize that the Dividend Mastercard was still offered, the Platinum Select cards have historically been a little harder to get than the Diamond Preferred cards.

Re: Citibank pissed me oFF

CHARGE_IT — Wed, 03 Jun 2009 23:26:47 GMT

Perhaps you missed the (,) between the words "select" and "elite".

@smallfry wrote:
Platinum Select is an elite Citi card? In what way?

Re: Citibank pissed me oFF

Anonymous — Wed, 03 Jun 2009 23:47:29 GMT

smallfry,

CITI classifies the Diamond Preferred the way other CCCs might classify a Gold card. The point is that Platinum Select is higher up the food chain (better rates, better rewards, higher CL), thus more "select" (as the card states).

Re: Citibank pissed me oFF

Anonymous — Thu, 04 Jun 2009 00:40:11 GMT

How would a person knows which card is easier for approval or not? There is no way to tell...

However I did apply for the Platinum Dividend Select Mastercard. Now when i resubmitted my application again on June 2nd on Tuesday. They didn't need pull a new credit report { I haven't seen any inquiries on my CR yet}, however it did show a new report is being generated with new update information. And they deny me this time for having too many inquiries, and so I request for a reconsideration. So they ask me to mail/fax in a hardcopy of my new report to re-evualate the application.So I dont really know if they actually see my new credit report or not but I'm going to mail in my new update credit report for them to prove that all the errors have been removed and my credit report are fresh and clean.

Re: Citibank pissed me oFF

Anonymous — Thu, 04 Jun 2009 04:05:52 GMT

Good luck on the recon. If you have trouble discussing your concerns with a CSR, don't hesitate to request to speak with a credit manager. More discretion and understanding at that level.

The way to discern the "easier" approval cards is to navigate their web site. CITI offers 31 cards. On their web site, you can check terms and conditions for each card. Normally, rewards and co-branded cards (HHonors, Amex) are more difficult. CITI will tell you the minimum credit issued for each card ($500.00/$1000.00/$2000.00). The cards with the lowest minimum credit amounts generally would be more prudent for someone without excellent credit history to apply.

CITI has different telephone number for most of their cards. I've called a CSR on specific cards to inquire about any specific requirements. For the most part, they are very helpful. I've eliminated prospective cards through this process. (i.e HHonors requires a minimum of 9 satisfactory tradelines with significant history)

Re: Citibank pissed me oFF

smallfry — Thu, 04 Jun 2009 05:18:47 GMT

@Anonymous wrote:
smallfry,

CITI classifies the Diamond Preferred the way other CCCs might classify a Gold card. The point is that Platinum Select is higher up the food chain (better rates, better rewards, higher CL), thus more "select" (as the card states).

First card I ever got from Citi was the Platinum Select. I've gotten approvals for Pro, Select and Diamond Preferred and I wouldn't give you a nickel for any of 'em.

Re: Citibank pissed me oFF

Anonymous — Thu, 04 Jun 2009 06:39:20 GMT

http://www.whogavemecredit.com/ try and use that link. hopefully it will help