topic Re: Applied for citi,should I recon? in Credit Cards

Applied for citi,should I recon?

MountainHiker — Tue, 21 Aug 2012 20:03:46 GMT

Hi everyone

Today is the day for apping and went after my car lease today.That went well and also just applied for the citibank platinum and received the message that further processing is required and they will email me within a week.Should I be worried and should I contact them now for recon? Thank you

Re: Applied for citi,should I recon?

MountainHiker — Tue, 21 Aug 2012 20:23:30 GMT

Any advice?

@MountainHiker wrote:
Hi everyone

Today is the day for apping and went after my car lease today.That went well and also just applied for the citibank platinum and received the message that further processing is required and they will email me within a week.Should I be worried and should I contact them now for recon? Thank you

Re: Applied for citi,should I recon?

aloush11 — Tue, 21 Aug 2012 20:33:31 GMT

I would wait it out and see what they say. They may want to verify some information. Personally, I would call the application status number and ask if they needed any additional information.

What's your credit look like? And congrats on the new car too

Re: Applied for citi,should I recon?

MountainHiker — Tue, 21 Aug 2012 20:43:13 GMT

@aloush11 wrote:
I would wait it out and see what they say. They may want to verify some information. Personally, I would call the application status number and ask if they needed any additional information.

What's your credit look like? And congrats on the new car too

Aloush11

Thanks for the congrats on my auto lease. My scores before today's two inquiries was about a 705.EQ-FICO. You think I should call and ask if they need additional info for Citi card?

Re: Applied for citi,should I recon?

aloush11 — Tue, 21 Aug 2012 20:46:43 GMT

I would def call in. They may want to verify an address or something small. If they say you just need to wait... then wait and hope for the best.

Re: Applied for citi,should I recon?

MountainHiker — Tue, 21 Aug 2012 21:07:21 GMT

@aloush11 wrote:
I would def call in. They may want to verify an address or something small. If they say you just need to wait... then wait and hope for the best.

Just called the credit recon number.Rep told me that the application was not denied or approved and simply needed manual processing.Will wait and see I guess. Tempted to app for American Express.

Re: Applied for citi,should I recon?

LS2982 — Tue, 21 Aug 2012 21:09:13 GMT

Go for AMEX MH!!

Re: Applied for citi,should I recon?

MountainHiker — Tue, 21 Aug 2012 21:55:56 GMT

@LS2982 wrote:
Go for AMEX MH!!

I'm on the ole so special list.........the blacklist!! But, spoke to someone in another department and was told that based on my previous pay history with American Express I would be a good fit for another card ONCE I pay my prior bill off.Glad I applied because now I know what must be done. Must say they were very pleasant and there was NOT a hard pull.

Thinking about going after Barclays or discover.Which is easier?

Re: Applied for citi,should I recon?

LS2982 — Tue, 21 Aug 2012 21:57:11 GMT

@MountainHiker wrote:
@LS2982 wrote:
Go for AMEX MH!!
I'm on the ole so special list.........the blacklist!! But, spoke to someone in another department and was told that based on my previous pay history with American Express I would be a good fit for another card ONCE I pay my prior bill off.Glad I applied because now I know what must be done. Must say they were very pleasant and there was NOT a hard pull.
Thinking about going after Barclays or discover.Which is easier?

Barclays, as long as your not heavy on INQ's with TU but they are easy to recon.

Re: Applied for citi,should I recon?

MountainHiker — Tue, 21 Aug 2012 22:07:18 GMT

@LS2982 wrote:
@MountainHiker wrote:
@LS2982 wrote:
Go for AMEX MH!!
I'm on the ole so special list.........the blacklist!! But, spoke to someone in another department and was told that based on my previous pay history with American Express I would be a good fit for another card ONCE I pay my prior bill off.Glad I applied because now I know what must be done. Must say they were very pleasant and there was NOT a hard pull.
Thinking about going after Barclays or discover.Which is easier?
Barclays, as long as your not heavy on INQ's with TU but they are easy to recon.

Than you LS

Will have to go for the Barclays and try my score/luck. I will wait till after my CC payment hits on the 31th of this month.Should be down to 3% utlization. Was kinda fun trying for credit been a while since I did this. If I get just one additional card will then be heading to the garden and wait for march 2013 when my collection should fall off.

Re: Applied for citi,should I recon?

MountainHiker — Wed, 22 Aug 2012 17:41:39 GMT

UPDATE!! As mentioned yesterday I went after the Citi Pl card and after manual review was told today that my one and only collection account has influenced them to deny my application for credit.Dissapointed but not shocked. Citibank is a first rate operation and obviously I must present a clean report in order to be admited to their family.Question is, what card company could approve me with a single unpaid collection on my credit file? Alliant or DCU?

Re: Applied for citi,should I recon?

MountainHiker — Wed, 22 Aug 2012 18:05:05 GMT

Btw, citi pulled Experian here in florida