topic Re: Citi PP denied-Update! in Credit Cards

Citi PP denied-Update!

Anonymous — Mon, 17 Dec 2007 22:43:16 GMT

Hi guys, I just thought that I'd give an update on my most recent post regarding being denied for the Citi PP card. During that same time I also applied for a few more cards and here are the results: Scores: EQ:676, EX:686, TU:666 App-o-rama 07' Target: Denied Nordstrom store card: Denied BOA Plat. Plus Visa: Denied Citi PP: Denied The reason that I was given for every denial was that I didn't have any current revolving credit card accounts reporting. However, I do have 2 car loans, never late and a few previous closed credit card accounts in good standing with no lates. I do want to thank one of the posters for recommending that I apply for a Wamu card because I got approved for $2000!!! I can do a backflip, I'm so happy! I also was approved for a card with HSBC for $300. Not so happy about this one but if it helps to rebuild my credit than I'll take it! My only issue with this card is that HSBC can freeze the account if you use it out of town. Has this happened to anyone and how did you handle it? Thanks for any imput! It is greatly appreciated!!

Re: Citi PP denied-Update!

Anonymous — Mon, 17 Dec 2007 22:45:22 GMT

Take the WaMu with you. Don't know if I've said this before, but so far WaMu is my very favoritest card Actually take both. Always have a backup.

Re: Citi PP denied-Update!

Anonymous — Mon, 17 Dec 2007 22:49:14 GMT

Bram,

I've had wamu about 8 months without any LUV do you have any suggestions?

Re: Citi PP denied-Update!

Anonymous — Mon, 17 Dec 2007 22:51:12 GMT

credit4me wrote:

Bram,

I've had wamu about 8 months without any LUV do you have any suggestions?

Not sure, could be more of the credit crunch than anything you're doing or not doing. I missed mine this 6 mos

I did take advantage of their BT offers early on but this 6 mos the balance has been relatively low.

Re: Citi PP denied-Update!

Anonymous — Mon, 17 Dec 2007 22:55:21 GMT

Congrats!

My only issue with this card is that HSBC can freeze the account if you use it out of town.

That sounds wrong, if it's a Visa or MC it can be used anywhere.

Re: Citi PP denied-Update!

Anonymous — Mon, 17 Dec 2007 22:58:59 GMT

Well I havehadsome form of HSBC since 03 and never had that problem.

Re: Citi PP denied-Update!

Anonymous — Mon, 17 Dec 2007 23:04:52 GMT

Brammy wrote:
Well I havehadsome form of HSBC since 03 and never had that problem.

Same here and I have moved all over the country.

Re: Citi PP denied-Update!

Anonymous — Mon, 17 Dec 2007 23:11:38 GMT

Well, I probably won't be using this card regularly so I shouldn't run into this problem, however, the CSR said that they do this as a security precaution and to call them before I leave out of town and let them know what city I'll be in so that they don't shut the card off! Crazy right! All for $300!LOL!

Re: Citi PP denied-Update!

Red1Blue — Mon, 17 Dec 2007 23:57:54 GMT

Did you try apping to Hooters? You probably will get very good CL and if you PIF it is not a bad card. With your scores probably you'll get at least $3000 CL. Even if they start you at $1000 they seem to be pretty good with CL and in 3 months they can double your CL. They usually pull TU for approval.

Re: Citi PP denied-Update!

Anonymous — Tue, 18 Dec 2007 00:03:49 GMT

I had HBSC for a while...used it out of town and never had a problem with that aspect of the card. However, it was like pulling teeth to get a CLI until I decided to cancel..then they gave me a few thousand, but I cancelled anyway.

Now WAMU...I had them for six months...called them and asked about CLI and was told .... they review on a regular basis...yada..yada..yada....but then when I logged on to my account they had doubled my limit...Now...it has been over a year and it has not yet increased again..Might need to give them a call...just to inquire on policy...

Re: Citi PP denied-Update!

Anonymous — Tue, 18 Dec 2007 00:19:01 GMT

You know Obsessed, it does seem that the CLIs are slwig down. Oh well, if theywant me to close something, I will. Target, BBMC are both on the chopping block anyway.

Re: Citi PP denied-Update!

Anonymous — Tue, 18 Dec 2007 00:22:21 GMT

Brammy wrote:
You know Obsessed, it does seem that the CLIs are slwig down. Oh well, if theywant me to close something, I will. Target, BBMC are both on the chopping block anyway.

I know- it seems to me too. Do you think it has anything to do w/ the overall banking situation/mortgage situation - both mortagers/banks and CC all having to appear on capital hill and explain themselves over junk fees, subprime lending "gougeing" tactics, etc?

Re: Citi PP denied-Update!

Anonymous — Tue, 18 Dec 2007 00:24:47 GMT

netpanther wrote:

Brammy wrote:

You know Obsessed, it does seem that the CLIs are slwig down. Oh well, if theywant me to close something, I will. Target, BBMC are both on the chopping block anyway.

I know- it seems to me too. Do you think it has anything to do w/ the overall banking situation/mortgage situation - both mortagers/banks and CC all having to appear on capital hill and explain themselves over junk fees, subprime lending "gougeing" tactics, etc?

Well a lot may have to do with that, a lot of banks are in trouble right now, WaMu not being the least of them. Chase just bought all that they ;aid of and clsed in lending. Looks like they are running behind WaMu picking up the pieces.

If WaMu is looking to sell its card portfolio, they do want it to be inline and not over valued.

Re: Citi PP denied-Update!

Anonymous — Tue, 18 Dec 2007 08:26:12 GMT

I'll definitely keep Hooters in mind! Thanks for the suggestion.

Re: Citi PP denied-Update!

Anonymous — Tue, 18 Dec 2007 08:30:26 GMT

I feel alot better about using the HSBC card based on what I'm hearing. I'm not really worried but if it happens then oh well! Thanks for the feedback!