topic Re: Declined for Citi ThankYou Preferred in Credit Cards

Declined By Citi UPDATE SUCCESSFUL RECON!!!!

Anonymous — Thu, 18 Oct 2012 18:16:43 GMT

Only reason provided: Too many INQ's

What do you all recommend?

I have been trying to recon, maybe I am calling the wrong number.

What department would be the best to call? How do I reach them? What is the best way to explain the INQ's, other than I went on an app spree for bonus offers? haha

Thanks in advance for the help

Re: Declined for Citi ThankYou Preferred

remarc — Sat, 13 Oct 2012 05:32:57 GMT

I was denied like u for too many inquirers back in may. I had explained to the CSR that the inquires were for auto refinance. I called 3 times & everything they said they could do nothing.
No one would recon with me then in August at the 6 month mark of my Citi platinum card I asked for a CLI & again denied straight of the batt. I tried to speak to someone to explain to me & advise me but yet again no one would help me.
Citi dont seem to be very helpful.

Re: Declined for Citi ThankYou Preferred

Anonymous — Sat, 13 Oct 2012 05:37:17 GMT

@remarc wrote:
I was denied like u for too many inquirers back in may. I had explained to the CSR that the inquires were for auto refinance. I called 3 times & everything they said they could do nothing.
No one would recon with me then in August at the 6 month mark of my Citi platinum card I asked for a CLI & again denied straight of the batt. I tried to speak to someone to explain to me & advise me but yet again no one would help me.
Citi dont seem to be very helpful.

Aw man. I was hoping for hope in the matter not more bad news...thanks for the reply

I just want to get in the door with citi. I wish they would overlook the INQ's and give me a chance. That card has some high spending requirements, I would think they would want the business.

Re: Declined for Citi ThankYou Preferred

nenuco — Sat, 13 Oct 2012 05:40:14 GMT

@Anonymous wrote:
Only reason provided: Too many INQ's

What do you all recommend?

I have been trying to recon, maybe I am calling the wrong number.

What department would be the best to call? How do I reach them? What is the best way to explain the INQ's, other than I went on an app spree for bonus offers? haha

Thanks in advance for the help

lol... with Citi, they can decline you for whatever reason they can think up. How many inquiries did you have? I have 10+ and I still got approved for (2) personal cards, the same one at that. We also share similar backgrounds, and your income is higher than mine. So I'm not sure why you didn't get approved. Depending on the # of inquiries you could recon. Is this the first time applying for a Citi card?

Re: Declined for Citi ThankYou Preferred

Anonymous — Sat, 13 Oct 2012 05:58:30 GMT

@nenuco wrote:
@Anonymous wrote:
Only reason provided: Too many INQ's

What do you all recommend?

I have been trying to recon, maybe I am calling the wrong number.

What department would be the best to call? How do I reach them? What is the best way to explain the INQ's, other than I went on an app spree for bonus offers? haha

Thanks in advance for the help
lol... with Citi, they can decline you for whatever reason they can think up. How many inquiries did you have? I have 10+ and I still got approved for (2) personal cards, the same one at that. We also share similar backgrounds, and your income is higher than mine. So I'm not sure why you didn't get approved. Depending on the # of inquiries you could recon. Is this the first time applying for a Citi card?

I think I apped over 6 months ago as well, but I can't remember. I am pretty sure I have fewer than 10 within 6 months.

I want that approval.

Re: Declined for Citi ThankYou Preferred

maiden_girl — Sat, 13 Oct 2012 06:01:39 GMT

Good luck reconning. Citi sucks when it comes to Recons.

Re: Declined for Citi ThankYou Preferred

xboxrunner — Sat, 13 Oct 2012 11:49:28 GMT

Calling in for recon with Citi didn't work for me multiple times. However, shoot them a PlanetFeedback recon message to them--thats how I got in with Citi.

Re: Declined for Citi ThankYou Preferred

youngandcreditwrthy — Sat, 13 Oct 2012 15:12:07 GMT

Ive hears of that Planetfeedback route, but Dustink, Citi just sucks...I hate to say this, but even after hundreds of billions of dollars of taxpayer funded capital infusions, Citi is still just NOT consumer friendly. At least Chase is :-)

I'm still gonna app for Citi Diamond Preferred in 6 mos to a year :-D... Suuuchhh a pretty card :-)

Re: Declined for Citi ThankYou Preferred

Anonymous — Sat, 13 Oct 2012 17:18:26 GMT

@youngandcreditwrthy wrote:
Ive hears of that Planetfeedback route, but Dustink, Citi just sucks...I hate to say this, but even after hundreds of billions of dollars of taxpayer funded capital infusions, Citi is still just NOT consumer friendly. At least Chase is :-)

I'm still gonna app for Citi Diamond Preferred in 6 mos to a year :-D... Suuuchhh a pretty card :-)

Does that card offer rewards?

Re: Declined for Citi ThankYou Preferred

maiden_girl — Sat, 13 Oct 2012 17:27:11 GMT

@Anonymous wrote:
@youngandcreditwrthy wrote:
Ive hears of that Planetfeedback route, but Dustink, Citi just sucks...I hate to say this, but even after hundreds of billions of dollars of taxpayer funded capital infusions, Citi is still just NOT consumer friendly. At least Chase is :-)

I'm still gonna app for Citi Diamond Preferred in 6 mos to a year :-D... Suuuchhh a pretty card :-)
Does that card offer rewards?

I don't believe that card has any rewards...I think he wants it just for the googlewallet feature...LOL.

Re: Declined for Citi ThankYou Preferred

Anonymous — Sat, 13 Oct 2012 17:31:46 GMT

@youngandcreditwrthy wrote:
Ive hears of that Planetfeedback route, but Dustink, Citi just sucks...I hate to say this, but even after hundreds of billions of dollars of taxpayer funded capital infusions, Citi is still just NOT consumer friendly. At least Chase is :-)

I'm still gonna app for Citi Diamond Preferred in 6 mos to a year :-D... Suuuchhh a pretty card :-)

So they are on the Crap1 level?

Re: Declined for Citi ThankYou Preferred

Anonymous — Sat, 13 Oct 2012 17:42:23 GMT

@Anonymous wrote:
@youngandcreditwrthy wrote:
Ive hears of that Planetfeedback route, but Dustink, Citi just sucks...I hate to say this, but even after hundreds of billions of dollars of taxpayer funded capital infusions, Citi is still just NOT consumer friendly. At least Chase is :-)

I'm still gonna app for Citi Diamond Preferred in 6 mos to a year :-D... Suuuchhh a pretty card :-)
Does that card offer rewards?

I don't think there are any awards but their APR are decent to carry around plus it looks great.

I recently received a mail from Citi Diamond Preferred with a 0% APR for 6 month and 0%interest for 6 month. I am nervous to pull the trigger because I was approved for a Citi ThankYou a week ago so I will wait on this another 6 months.

Re: Declined for Citi ThankYou Preferred

Anonymous — Sat, 13 Oct 2012 18:03:25 GMT

6 months is pretty bad. The chase freedom offers rewards plus 15 months no interest.

Re: Declined for Citi ThankYou Preferred

maiden_girl — Sat, 13 Oct 2012 18:56:41 GMT

I wouldn't waste my time with a 6 month 0% APR. It'spointless. Chase offers at least 15 month 0% APR right now. So does Discover on their More and Motiva line.

Re: Declined for Citi ThankYou Preferred

Anonymous — Sat, 13 Oct 2012 19:34:49 GMT

@Anonymous wrote:
@Anonymous wrote:
@youngandcreditwrthy wrote:
Ive hears of that Planetfeedback route, but Dustink, Citi just sucks...I hate to say this, but even after hundreds of billions of dollars of taxpayer funded capital infusions, Citi is still just NOT consumer friendly. At least Chase is :-)

I'm still gonna app for Citi Diamond Preferred in 6 mos to a year :-D... Suuuchhh a pretty card :-)
Does that card offer rewards?

I don't think there are any awards but their APR are decent to carry around plus it looks great.

I recently received a mail from Citi Diamond Preferred with a 0% APR for 6 month and 0%interest for 6 month. I am nervous to pull the trigger because I was approved for a Citi ThankYou a week ago so I will wait on this another 6 months.

I got a Citi Diamond Preferred recently and was offered 0% for 18 months. No rewards, it's true, but I was interested in having a card with a decent 0% interest intro period in case of an emergency and I would want to float a balance. My recommendation would be to hold off and wait to see if a better offer than 6 months comes in.

Re: Declined for Citi ThankYou Preferred

Anonymous — Sat, 13 Oct 2012 20:03:05 GMT

I got a Citi Diamond Preferred recently and was offered 0% for 18 months. No rewards, it's true, but I was interested in having a card with a decent 0% interest intro period in case of an emergency and I would want to float a balance. My recommendation would be to hold off and wait to see if a better offer than 6 months comes in.

I also noticed they advertise 18 months on their site. I would think it would be better to get a promo APR when it is needed. If you save it for an emergency the promo APR may be expired by the time it is needed.

Re: Declined for Citi ThankYou Preferred

Anonymous — Sat, 13 Oct 2012 20:28:36 GMT

@Anonymous wrote:

I got a Citi Diamond Preferred recently and was offered 0% for 18 months. No rewards, it's true, but I was interested in having a card with a decent 0% interest intro period in case of an emergency and I would want to float a balance. My recommendation would be to hold off and wait to see if a better offer than 6 months comes in.

I also noticed they advertise 18 months on their site. I would think it would be better to get a promo APR when it is needed. If you save it for an emergency the promo APR may be expired by the time it is needed.

As it so happens, the timing was perfect. Fortunately, I was approved with a very nice limit -- $6800. Unfortunately, I had reason to avail myself of the offer.

I had been finding all sorts of ways to hold off on having a filling redone by my dentist because, well, I'm very dental phobic. I know, I know... I'm a big girl and should know better and just get over it. But, I thought that I could wait just a little longer before going and made excuses. The very night that I was approved for the cards from my recent app spree -- of which the Citi was one -- only about two hours after the approval, the tooth broke (really put a damper on my app spree approval celebration). I made an emergency appointment and they couldn't do a crown. So, I was scheduled for an extraction and bone graft with the ultimate goal of an implant. The card came in two days before the procedure. Instead of pulling the funds out of an interest bearing savings account, I put it on the Citi and will have it paid off by the end of next month; I've already paid off a third last month and will do the same this month. The next phase of the procedure is scheduled for February, and I'll have plenty of 0% time left to put those new charges on the card. Really bizzare timing, but it worked out perfectly.

(ETA) Your point is well taken, though. I suppose that after putting ~$1400 on my Cap1 Visa for transmission repairs this past spring, and scrambling to pay it off before interest became a problem, I just had the strong urge at the time of my app spree to acquire a suitable an "emergency" card. I'm glad it worked out, but sorry that an emergency did, indeed, arise so quickly.

Re: Declined for Citi ThankYou Preferred

Chadsnana — Sat, 13 Oct 2012 20:36:56 GMT

This is giving me knots in my stomach. Website has been saying for over a week that my application is being reviewed. I have decent credit but recent inq. I read online that Citi is having their own issues. They may not have credit availability themselves. I wish that these companies would tell consumers that upfront so that we can make a decision on whether we want them to pull our credit for a card that there are not good odds of getting. I hope that Citi will give me a card only because they pulled my credit (FICO 763). I was debating between them and Discover but not a lot of companies accept Discover so Citi is was. Has anyone gotten a notice automatically when they applied online or is it standard to get the message stating that they will let you know in a week?

Re: Declined for Citi ThankYou Preferred

xboxrunner — Sun, 14 Oct 2012 08:27:29 GMT

@Anonymous wrote:
@youngandcreditwrthy wrote:
Ive hears of that Planetfeedback route, but Dustink, Citi just sucks...I hate to say this, but even after hundreds of billions of dollars of taxpayer funded capital infusions, Citi is still just NOT consumer friendly. At least Chase is :-)

I'm still gonna app for Citi Diamond Preferred in 6 mos to a year :-D... Suuuchhh a pretty card :-)
So they are on the Crap1 level?

My experience with Citi has been fine. Decent starting CL and APR, and then two CLI's (every 6 months, soft-pulls too!). Good luck getting that from Crapital1. lol

Also, look at the Citi Forward for a starter card. All-around good card, and relatively good approval chances for most people.

Re: Declined for Citi ThankYou Preferred

migliogiorni — Sun, 14 Oct 2012 08:26:35 GMT

Citi and Crap 1 are no where on the same level, crap one is just a joke :s.