topic Re: Citi phone call about app?Anyone else have this happen in Credit Cards

Citi phone call about app?Anyone else have this happen

Anonymous — Wed, 04 Jan 2012 22:54:28 GMT

I applied for a Citibank card last week, didn't get an instant decision. I got the 7-10 days message. Right after I appd I called in due to fraud alert. I thought I would get an instant decision but didn't. She asked me some questions and said I'll be hearing in 7-10 days. Normally when I call in and answer some questions they tell me right away whether I got it or not. I've called the app status line everyday still pending. Received a call from Citi this morning I missed the call so I called back. She wanted to verify some info including phone no. she said she has to call me at that number. That's all she asked for. We hung up and she called me to verify no. that was it, again she said I'll be hearing in 7-10 days if I don't hear from them within a week I'm to call them. WTH? Is all this a good thing or bad? Has anyone else gone thru this process? I find it weird and they drag out the whole process.

Re: Citi phone call about app?Anyone else have this happen

Anonymous — Wed, 04 Jan 2012 23:48:01 GMT

@mnegron1969 wrote:
I find it weird and they drag out the whole process.

This is the reason I will never do business with Citi, I apped early last year and due to the Employer I listed on my app did not match what was listed on my EQ report, they sent me a 4506T Form, and on top of that by signing it I authorize Citi to pull an additional report.

I had my current Employer corrected in 5 days with EQ, and Citi was unwilling to accept anything other than the form to be signed.

My EQ Fico was 777, 1 or 2 inq's, 5 yrs AAoA's, 1% util, if it hadn't been for that mis match I would have been instant approved when I apped online, I know it.

But they were not willing to budge, so I told them to go fly a kite, there's many other CCC's out there that will welcome my business.

Sorry for the rant, I can't make sense of what Citi is doing to you, so I can not say with any certainty, that it looks good or not for you.

Wishing you the Best.

Re: Citi phone call about app?Anyone else have this happen

Anonymous — Thu, 05 Jan 2012 00:00:45 GMT

i enjoyed reading the story

Re: Citi phone call about app?Anyone else have this happen

CS800 — Thu, 05 Jan 2012 00:07:22 GMT

Been hearing a lot of stories these days with CITI making people jumps through hoops of fire to get an approval.

Re: Citi phone call about app?Anyone else have this happen

Anonymous — Thu, 05 Jan 2012 00:13:10 GMT

when i got my thank you card with them it was 0% for 6 months, i carried like 2600/3000 on it and paid the min payment, when i called in 6 months to get a CLI they said no way, u carry hi bal and only pay the min, im just taking advanage of the rate, nope, next statement was 21%,, i PIF and have not used sence

Re: Citi phone call about app?Anyone else have this happen

CS800 — Thu, 05 Jan 2012 00:17:54 GMT

Hearing all these definitely building a negative thing in mind with CITI

Re: Citi phone call about app?Anyone else have this happen

LS2982 — Thu, 05 Jan 2012 00:34:34 GMT

Yea i'm pretty much turned off of Citi.

Re: Citi phone call about app?Anyone else have this happen

laz98 — Thu, 05 Jan 2012 06:17:37 GMT

how weird. i hope we never have any issues with them. i was thinking of getting one for me this year too, for the 0%.

Re: Citi phone call about app?Anyone else have this happen

Anonymous — Thu, 05 Jan 2012 17:57:27 GMT

It seems everyone has hoops and issues with at least one creditor at some point. Citi has treated me very well. They have their proverbial heads screwed on backwards sometimes but they have always eventually gotten it right. I've made large charges on my card that I'd be concerned about running through a couple other prime creditors (I think we can all guess one in particular), without worry about it being declined or my account suspended asking for tax returns lol.
As far as approval goes I probably have it easy, long job/residence. Others have had issues with them including 4506-T. So I guess they all have different triggers so YMMV. I do know that CITI verifies specific info on the credit report. For example, I once requested a PC and the rep had to force it through because my EQ report disn't have my home phone number listed. (As if that's a bad thing lol)

Re: Citi phone call about app?Anyone else have this happen

MarineVietVet — Thu, 05 Jan 2012 19:22:55 GMT

@Anonymous wrote:
It seems everyone has hoops and issues with at least one creditor at some point. Citi has treated me very well. They have their proverbial heads screwed on backwards sometimes but they have always eventually gotten it right. I've made large charges on my card that I'd be concerned about running through a couple other prime creditors (I think we can all guess one in particular), without worry about it being declined or my account suspended asking for tax returns lol.
As far as approval goes I probably have it easy, long job/residence. Others have had issues with them including 4506-T. So I guess they all have different triggers so YMMV. I do know that CITI verifies specific info on the credit report. For example, I once requested a PC and the rep had to force it through because my EQ report disn't have my home phone number listed. (As if that's a bad thing lol)

I agree. I have had both good and bad experiences with all my creditors (not just CC's) at some point and expect to have the same love/hate relationship with all of them going forward.

From a BK years ago to:
EX - 3/11 pulled by lender- 835, EQ - 2/11-816, TU - 2/11-782

"Some people spend an entire lifetime wondering if they've made a difference. The Marines don't have that problem".

Re: Citi phone call about app?Anyone else have this happen

RyVision — Thu, 05 Jan 2012 20:01:07 GMT

Citi didn't call, but I can say this about calling Citi;

After getting an invite with a code about the "WONDERFUL" 0% for 21 months. We decided it was a decent offer and on the site entered the code, other info, APPROVED INSTANT! For!!!!........ 1600...... Immediately thinking (um.... seems to be a zero missing there......) called them up. Asked them about the CL and if there was any chance of having it increased as their offer wasn't worth much considering most cards held by the person had 5 figure CL's. Yeah, they could do another hard pull and run it by an analyst and we could wait on them for another week or so. No, not worth it, will look elsewhere. Will use the current CL for the 21 months then PIF, thanks anyway. Click.

That is why I don't recommend Citi. They are too "iffy" about who they'll give what to. They'd been decent in the past but seems now you risk a roll of the dice on what you get for a CL even with a perfect report and long history (even if they've had you for a customer before).

Seriously. I mean seriously; why offer a 21 month 0% promotion with an invite code to a previous customer you gave 5 figure CL's to if you're not intending to give them a CL they might actually be able to use. It makes no sense.

Then remembering they also control CitiFinancial...(until they got smart and renamed that division) it's easy to see the reasoning behind how they're doing business now. They should change their name to CitiOne, it would fit perfectly. (like Capital One, CreditOne......... right down the same path). Wait, they did rename CitiFinancial..... to OneMAIN! Guess I had that one pegged fairly well.

And before anyone jumps on my case in spiked golf shoes. YES they have given high CL's to people with less than stellar scores. If someone doesn't mind spinning the wheel for their CL and the HP for it, that's up to them. For others that would like to know who they're dealing with when it comes to Citi. Here's your answer, by all means, spin away.

Re: Citi phone call about app?Anyone else have this happen

trumpet-205 — Thu, 05 Jan 2012 20:52:16 GMT

@mnegron1969 wrote:
I applied for a Citibank card last week, didn't get an instant decision. I got the 7-10 days message. Right after I appd I called in due to fraud alert. I thought I would get an instant decision but didn't. She asked me some questions and said I'll be hearing in 7-10 days. Normally when I call in and answer some questions they tell me right away whether I got it or not. I've called the app status line everyday still pending. Received a call from Citi this morning I missed the call so I called back. She wanted to verify some info including phone no. she said she has to call me at that number. That's all she asked for. We hung up and she called me to verify no. that was it, again she said I'll be hearing in 7-10 days if I don't hear from them within a week I'm to call them. WTH? Is all this a good thing or bad? Has anyone else gone thru this process? I find it weird and they drag out the whole process.

Similar to how I got my Forward card. I called Citi, in which they verified who I am, and told me that a decision will be reached with 7-10 days. I called in next day to check the status and was approved for $1K.

Re: Citi phone call about app?Anyone else have this happen

Anonymous — Thu, 05 Jan 2012 21:58:54 GMT

@RyVision wrote:
Citi didn't call, but I can say this about calling Citi;

After getting an invite with a code about the "WONDERFUL" 0% for 21 months. We decided it was a decent offer and on the site entered the code, other info, APPROVED INSTANT! For!!!!........ 1600...... Immediately thinking (um.... seems to be a zero missing there......) called them up. Asked them about the CL and if there was any chance of having it increased as their offer wasn't worth much considering most cards held by the person had 5 figure CL's. Yeah, they could do another hard pull and run it by an analyst and we could wait on them for another week or so. No, not worth it, will look elsewhere. Will use the current CL for the 21 months then PIF, thanks anyway. Click.

That is why I don't recommend Citi. They are too "iffy" about who they'll give what to. They'd been decent in the past but seems now you risk a roll of the dice on what you get for a CL even with a perfect report and long history (even if they've had you for a customer before).

Seriously. I mean seriously; why offer a 21 month 0% promotion with an invite code to a previous customer you gave 5 figure CL's to if you're not intending to give them a CL they might actually be able to use. It makes no sense.

Then remembering they also control CitiFinancial...(until they got smart and renamed that division) it's easy to see the reasoning behind how they're doing business now. They should change their name to CitiOne, it would fit perfectly. (like Capital One, CreditOne......... right down the same path). Wait, they did rename CitiFinancial..... to OneMAIN! Guess I had that one pegged fairly well.

And before anyone jumps on my case in spiked golf shoes. YES they have given high CL's to people with less than stellar scores. If someone doesn't mind spinning the wheel for their CL and the HP for it, that's up to them. For others that would like to know who they're dealing with when it comes to Citi. Here's your answer, by all means, spin away.

I agree with your entire reply Ry, but I LOVE the part I hilighted red, that's just perfect

Re: Citi phone call about app?Anyone else have this happen

Anonymous — Thu, 05 Jan 2012 22:23:03 GMT

CITI did call me to verify phone #, I haven't heard any decision yet.

Re: Citi phone call about app?Anyone else have this happen

Anonymous — Thu, 05 Jan 2012 22:29:28 GMT

@mnegron1969 wrote:
CITI did call me to verify phone #, I haven't heard any decision yet.

Keep us posted.

Hopefully you'll get the card without jumping thru too many hoops.

Re: Citi phone call about app?Anyone else have this happen

CS800 — Fri, 06 Jan 2012 00:21:46 GMT

I'm definitely more cautious with CITI now.

Always heard Chase was more of a PITA to work with.

Re: Citi phone call about app?Anyone else have this happen

Anonymous — Fri, 06 Jan 2012 11:21:14 GMT

@CS800 wrote:
I'm definitely more cautious with CITI now.

Always heard Chase was more of a PITA to work with.

You could sense much more humanity from Chase recon than Citi's.

Re: Citi phone call about app?Anyone else have this happen

frogfan12 — Sun, 08 Jan 2012 10:40:58 GMT

I have had nothing but good experiences with Citi. My first relationship with Citi was a CC and I had to have quite a bit of info verified with them. I don't think it's them being difficult...I think it's just the nature of credit these days. There are more rules and regulations than there used to be. I received the 7-10 day response and I had to call in a couple of times to ensure that my app was moving along. Since opening my first CC with Citi, I have since opened a bank account and my mortgage is with them. Based on my wonderful experiences I have since dumped BOA due to their shady behavior.

The bottom line of my post is you have to base your perception of a company like Citi based on your own experiences rather than those of others who have been scorned.

Re: Citi phone call about app?Anyone else have this happen

Anonymous — Sun, 08 Jan 2012 17:47:41 GMT

Finally the dreaded email came today, I was denined for the following:

1. The credit privileges on your existing account(s) are currently restricted. DON'T KNOW WHAT THAT MEANS??

2. Too many recent credit inquiries are recorded on your credit bureau report. I HAD 3 AT TIME OF APPLYING

Whatever, I won't app with them again after hearing all the negatives about Citi. As for the inquiry, it'll get B* off anyway so no harm done. What gets me is that they called and asked for verification and made it sound like I was approved. Aholes.

Re: Citi phone call about app?Anyone else have this happen

Anonymous — Sun, 08 Jan 2012 17:52:57 GMT

I'm really sorry to hear the dreaded news, but to be completely honest, I'm not surprised one bit by Citi's behavior.