topic Re: Citi Simplicity Reevaluation in Credit Cards

Citi Simplicity Reevaluation

QAMngrGirl — Thu, 27 Jun 2013 22:31:41 GMT

My scores are in my sig, 7 inqs on EX & EQ, 2 TU
AAoA 11 Months
3 new accounts in last 90 days
I was denied and the letter stated they pulled EQ and there was a collection either paid unpaid on my report. No other reason. So I pulled an updated CR from EQ and forwarded it the address on the letter to show the neg trade no longer there. (LVNV was just removed after that denial)

so.. do you think they will just come up with another reason to decline me? Should I have picked another Citi card? I currently have a Bofa, Barclay's, CapOne & Merrick as my major cards (highest CL $2K, lowest $500), and these are all around 1-2 years old. It's my store (GE & Comenity Bank cards) that are newest

Re: Citi Simplicity Reevaluation

Anonymous — Thu, 27 Jun 2013 22:33:48 GMT

How recent are those inquiries? They could deny you because of that + new accounts.

Anyhow, they will most likely pull at least 1 new report during recon as well.

Re: Citi Simplicity Reevaluation

myjourney — Thu, 27 Jun 2013 22:34:21 GMT

@QAMngrGirl wrote:
My scores are in my sig, 7 inqs on EX & EQ, 2 TU
AAoA 11 Months
3 new accounts in last 90 days
I was denied and the letter stated they pulled EQ and there was a collection either paid unpaid on my report. No other reason. So I pulled an updated CR from EQ and forwarded it the address on the letter to show the neg trade no longer there. (LVNV was just removed after that denial)
so.. do you think they will just come up with another reason to decline me? Should I have picked another Citi card? I currently have a Bofa, Barclay's, CapOne & Merrick as my major cards (highest CL $2K, lowest $500), and these are all around 1-2 years old. It's my store (GE & Comenity Bank cards) that are newest

Probably will cost you a HP but I think you'll be approved

Re: Citi Simplicity Reevaluation

QAMngrGirl — Thu, 27 Jun 2013 22:50:43 GMT

@myjourney wrote:
@QAMngrGirl wrote:
My scores are in my sig, 7 inqs on EX & EQ, 2 TU
AAoA 11 Months
3 new accounts in last 90 days
I was denied and the letter stated they pulled EQ and there was a collection either paid unpaid on my report. No other reason. So I pulled an updated CR from EQ and forwarded it the address on the letter to show the neg trade no longer there. (LVNV was just removed after that denial)
so.. do you think they will just come up with another reason to decline me? Should I have picked another Citi card? I currently have a Bofa, Barclay's, CapOne & Merrick as my major cards (highest CL $2K, lowest $500), and these are all around 1-2 years old. It's my store (GE & Comenity Bank cards) that are newest
Probably will cost you a HP but I think you'll be approved

Well that's lame! Why do they ask for a new report from me if they are going to pull their own anyway

@Anonymous wrote:
How recent are those inquiries? They could deny you because of that + new accounts.

Anyhow, they will most likely pull at least 1 new report during recon as well.

Most recent was 2 months ago, oldest 11 months

Crap, I thought the pre-approval thingy on their website was gonna be fun!

Re: Citi Simplicity Reevaluation

myjourney — Thu, 27 Jun 2013 22:56:46 GMT

I know citi recon sucks they get HP crazy

@QAMngrGirl wrote:
@myjourney wrote:
@QAMngrGirl wrote:
My scores are in my sig, 7 inqs on EX & EQ, 2 TU
AAoA 11 Months
3 new accounts in last 90 days
I was denied and the letter stated they pulled EQ and there was a collection either paid unpaid on my report. No other reason. So I pulled an updated CR from EQ and forwarded it the address on the letter to show the neg trade no longer there. (LVNV was just removed after that denial)
so.. do you think they will just come up with another reason to decline me? Should I have picked another Citi card? I currently have a Bofa, Barclay's, CapOne & Merrick as my major cards (highest CL $2K, lowest $500), and these are all around 1-2 years old. It's my store (GE & Comenity Bank cards) that are newest
Probably will cost you a HP but I think you'll be approved
Well that's lame! Why do they ask for a new report from me if they are going to pull their own anyway

Re: Citi Simplicity Reevaluation

Anonymous — Thu, 27 Jun 2013 23:33:33 GMT

Citi's recon process is quirky in its own way.

They make you submit your own CR, and they will still go ahead and pull 1-3 more reports at their whim. So worst case scenario you will be looking at 4 inquiries (1 for original app, 1 on each bureau for recon).

It's really hard to tell what they are going to come up with this time because Citi been somewhat of a crapshoot for most people.

Best of luck with the recon process!

Re: Citi Simplicity Reevaluation

QAMngrGirl — Fri, 28 Jun 2013 00:15:41 GMT

Thank you everyone for your replies, I will keep you posted!

STUPID PRE-APPROVAL TEASER!

Re: Citi Simplicity Reevaluation

QAMngrGirl — Tue, 16 Jul 2013 20:42:03 GMT

Never heard another word (in writing) from Citi. They HP EQ again 7/10/13 so on 7/15/13 I called their automated # and was told too many inq. DUH you just added 2!