topic Re: Citi Dividend App Pending ?? in Credit Cards

Citi Dividend App Pending ??

bichonmom — Fri, 31 Aug 2012 08:23:40 GMT

Bit the bullet and apped for the Citi Platinum tonight. FYI, here's a page w/$150 cash back: https://creditcards.citi.com/credit-cards/citi-dividend-card/

I got a pending message, but then it took me to a page to set up online account, paperless billing, etc. So, I was feeling optimistic, because I figured, why would it be having me set up all that if they were going to deny me. But then, while entering my info, I hit the backspace to make a correction and the blasted website went back to the previous page, which then gave me an error message.

I checked my email and got a msg that "we are currently processing your app and w/be in touch within 1 week." (!) There's a link, but no additional info there. It looks to me like the computer wants a human to review it.

Has anyone had this happen and been approved? Is this type of msg usually a sign of denial? I have good credit now, but had a CO from the 80s, so I'm concerned that that might be the problem.

ETA: I just checked my 3 in 1 CR on USAA, and they pulled EX. Hopefully they won't pull any others.

Re: Citi Dividend App Pending ??

erika — Fri, 31 Aug 2012 12:06:28 GMT

I had the same thing happen. Call them to get the status of your application. With me, they needed proof of address and a copy of my drivers license. I received my approval apprx 1 week after I sent them a utility bill.

Re: Citi Dividend App Pending ??

bichonmom — Fri, 31 Aug 2012 16:29:03 GMT

Thanks! I checked this morning, and I was approved!

Re: Citi Dividend App Pending ??

emptypockets — Fri, 31 Aug 2012 16:31:42 GMT

Congrats on your approval! What is your CL?

Re: Citi Dividend App Pending ??

Anonymous — Fri, 31 Aug 2012 16:34:14 GMT

Awesome! Congrats.

Re: Citi Dividend App Pending ??

bichonmom — Fri, 31 Aug 2012 16:44:26 GMT

$10k

Re: Citi Dividend App Pending ??

MsLadyRover — Fri, 31 Aug 2012 16:51:47 GMT

CONGRATULATIONS!

Re: Citi Dividend App Pending ??

bichonmom — Fri, 31 Aug 2012 17:06:56 GMT

Thank you!

Re: Citi Dividend App Pending ??

Jlu — Fri, 31 Aug 2012 17:55:57 GMT

You were worried about a CO from the 80's? LOL

Re: Citi Dividend App Pending ??

bichonmom — Fri, 31 Aug 2012 19:32:36 GMT

Well, some people have been permanently blacklisted. It may be that the amount I owed wasn't very much. It's been so long, I really don't remember. But I do know my CLs weren't very large compared to today's CLs.

Some people have reported here a 10-year window for blacklisting. But there's really no way to know for sure. Some have also not gotten cards because of very old COs.

I consider myself very fortunate to have a second chance with them!

Re: Citi Dividend App Pending ??

LS2982 — Fri, 31 Aug 2012 21:09:42 GMT

CONGRATS!!!!

Re: Citi Dividend App Pending ??

bichonmom — Fri, 31 Aug 2012 22:55:59 GMT

Thank you, LS.

Re: Citi Dividend App Pending ??

RockinRay — Sat, 01 Sep 2012 15:07:12 GMT

@bichonmom wrote:
$10k

Very nice indeed!

Congrats!

Re: Citi Dividend App Pending ??

bichonmom — Sat, 01 Sep 2012 17:09:32 GMT

Thanks, Ray! All my patience and hard work have paid off.

Re: Citi Dividend App Pending ??

Anonymous — Sat, 01 Sep 2012 18:05:51 GMT

@bichonmom wrote:
Bit the bullet and apped for the Citi Platinum tonight. FYI, here's a page w/$150 cash back: https://creditcards.citi.com/credit-cards/citi-dividend-card/

I got a pending message, but then it took me to a page to set up online account, paperless billing, etc. So, I was feeling optimistic, because I figured, why would it be having me set up all that if they were going to deny me. But then, while entering my info, I hit the backspace to make a correction and the blasted website went back to the previous page, which then gave me an error message.

I checked my email and got a msg that "we are currently processing your app and w/be in touch within 1 week." (!) There's a link, but no additional info there. It looks to me like the computer wants a human to review it.

Has anyone had this happen and been approved? Is this type of msg usually a sign of denial? I have good credit now, but had a CO from the 80s, so I'm concerned that that might be the problem.

ETA: I just checked my 3 in 1 CR on USAA, and they pulled EX. Hopefully they won't pull any others.

bichonmom........Who does citi pull??

Re: Citi Dividend App Pending ??

Anonymous — Sat, 01 Sep 2012 18:06:34 GMT

sorry .....just read the OP ...thanks

Re: Citi Dividend App Pending ??

bichonmom — Sat, 01 Sep 2012 18:11:39 GMT

They did pull EX for me. But I researched on here before I apped, and they do pull from all 3. So, there's really no way of knowing which one they'll pull for you.

Re: Citi Dividend App Pending ??

RockinRay — Sat, 01 Sep 2012 19:05:28 GMT

@bichonmom wrote:
Thanks, Ray! All my patience and hard work have paid off.

It sure has! Prime-time from now on!

Re: Citi Dividend App Pending ??

Anonymous — Wed, 12 Sep 2012 11:10:39 GMT

Goodluck bichonmom! I'm rooting for you!

CitI seems to have taken me off their blacklist and my scores are not nearly as good as yours!

Re: Citi Dividend App Pending ??

jamesdwi — Wed, 12 Sep 2012 13:26:30 GMT

Congrats, Nice limit.