topic Re: False approval? in Credit Cards

False approval?

cheychey99 — Wed, 17 Apr 2013 01:13:28 GMT

I applied for a Citi TY Preferred a couple of days ago and was instantly denied due to "submitting multiple applications for credit." I'm assuming that means too many inqs since I only have one Citi card right now.

Today I got an email saying "Congrats, you are approved." I thought it was a mistake so I called the application status number and put in the reference number from my denial email and the automated system said I was denied due to multiple submissions for credit.

I'm confused. Did Citi mistakingly send the approval email? Has anyone ever been denied instantly then approved without calling for a recon? I'm afraid to talk to a live person to find out the answer. Sorry if this is a stupid question.

Re: False approval?

LS2982 — Wed, 17 Apr 2013 01:16:15 GMT

@cheychey99 wrote:
I applied for a Citi TY Preferred a couple of days ago and was instantly denied due to "submitting multiple applications for credit." I'm assuming that means too many inqs since I only have one Citi card right now.

Today I got an email saying "Congrats, you are approved." I thought it was a mistake so I called the application status number and put in the reference number from my denial email and the automated system said I was denied due to multiple submissions for credit.

I'm confused. Did Citi mistakingly send the approval email? Has anyone ever been denied instantly then approved without calling for a recon? I'm afraid to talk to a live person to find out the answer. Sorry if this is a stupid question.

You should call in directly to Citi and talk to a CSR.

Good luck to you!!!

Re: False approval?

cheychey99 — Wed, 17 Apr 2013 01:25:27 GMT

I know. Once I get the courage too I will. I just don't want to get my hopes up and be told "oops our mistake, sorry." Thank you for your response.

Re: False approval?

Anonymous — Wed, 17 Apr 2013 01:35:22 GMT

I suspect it doesn't mean that, and that somehow (maybe a double press on submit or something) you accidently applied twice for the card. Citi would automatically deny a duplicate. So it's certainly possible that you really did get an approval for the card!

But best to talk to Citi!

Re: False approval?

cheychey99 — Wed, 17 Apr 2013 02:07:45 GMT

You know what bs6054, after the first click it said something about system error or difficulties so I resubmitted the app and then it gave me the denial message about multiple submissions. I completely forgot about clicking twice but I figured the first submission didn't go through. I guess I'll find out in the next 4-7 business days. Thank you.

Re: False approval?

mikka1 — Wed, 17 Apr 2013 03:10:27 GMT

I had a similar experience with Discover last year - also pressed Submit twice accidentaly (and not even noticing this), got "7-10 message" and then approval email. I called in and that's basically how I discovered all this - they said there have been 2 similar apps from me one after another and the system flagged both, so they had to manually push the first one through.

Re: False approval?

cheychey99 — Wed, 17 Apr 2013 03:24:20 GMT

It's weird because when I first clicked submit and it gave me the error message and I clicked back to the app page all the info I put in was gone so I assumed that the system never received the app so I filled it out again and clicked submit again. I guess the first one did go through.

Re: False approval?

mojobones89 — Wed, 17 Apr 2013 03:28:47 GMT

@cheychey99 wrote:
It's weird because when I first clicked submit and it gave me the error message and I clicked back to the app page all the info I put in was gone so I assumed that the system never received the app so I filled it out again and clicked submit again. I guess the first one did go through.

just call...you aint gonna get nowhere being on here being confused.

im sure you got approved with the first submission and declined the 2nd time to prevent mulltiple apps....makes sense.

call and fine and get this stress off your shoulders,the worst they can say is NO.

good luck

Re: False approval?

cheychey99 — Wed, 17 Apr 2013 04:11:57 GMT

I will call tomorrow

Re: False approval?

myjourney — Wed, 17 Apr 2013 04:16:42 GMT

Good luck

Re: False approval?

cheychey99 — Wed, 17 Apr 2013 04:20:42 GMT

Thank you

Re: False approval?

Exonumist — Wed, 17 Apr 2013 05:21:02 GMT

To me the suspense of not knowing would be worse then being told that I was denied. Let us know what happens.