topic Re: Citi Recon Worked, well sort off in Credit Cards

Citi Recon Worked, well sort off

ibmrad7 — Thu, 02 Jan 2014 20:14:39 GMT

So I applied for Citi Diamond Preferred around November 10th, application stayed pending for 5 days before I got a call from their Analyst asking for my Annual Income. I mentioned the same income I put on the application. Before I could say anything further, she said I can't approve you at this time, please try again in future.

Citi pulled EX (692) and EQ (657) for me, EX had 3 inqs and EQ had 0.

Somewhere on forums I came across Citi's Executive Review Department's mailing address, after much debate I wrote a letter to them explaining my situation, attached recent paystubs and specifically mentioned that I don't want another pull for this recon...

To my surprise after almost 40 days, I just got an emailing from Citi today stating my application has been approved Yay!!!!! The crappy part is the CL, only 500$. I didnt even get that limit when I was a student Lol.

How's Citi with CLIs? Is it always a HP? Do they like to see lot of usage?

Re: Citi Recon Worked, well sort off

Anonymous — Thu, 02 Jan 2014 20:39:38 GMT

@ibmrad7 wrote:
So I applied for Citi Diamond Preferred around November 10th, application stayed pending for 5 days before I got a call from their Analyst asking for my Annual Income. I mentioned the same income I put on the application. Before I could say anything further, she said I can't approve you at this time, please try again in future.
Citi pulled EX (692) and EQ (657) for me, EX had 3 inqs and EQ had 0.
Somewhere on forums I came across Citi's Executive Review Department's mailing address, after much debate I wrote a letter to them explaining my situation, attached recent paystubs and specifically mentioned that I don't want another pull for this recon...

To my surprise after almost 40 days, I just got an emailing from Citi today stating my application has been approved Yay!!!!! The crappy part is the CL, only 500$. I didnt even get that limit when I was a student Lol.

How's Citi with CLIs? Is it always a HP? Do they like to see lot of usage?

FWIW, i started with a 500 dollar cl (instant approval) on my diamond preferred. i did the cli online and was denied within half an hour. to this day i dont know if a second hard pull was done.

i called the EO and asked for a reconsideration and manual review. placed on hold for maybe two minutes and was instantly approved for a CLI up to 3k. no income questions, no fuss, no muss.

Re: Citi Recon Worked, well sort off

TeamPunishment — Thu, 02 Jan 2014 20:42:07 GMT

I would call the EO and ask for a recon on the CL.

Re: Citi Recon Worked, well sort off

ibmrad7 — Thu, 02 Jan 2014 20:42:16 GMT

Hi Shock_,

Your experience is helpful. Did you wait until you get the card or called right away for CL recon?

Re: Citi Recon Worked, well sort off

FinStar — Thu, 02 Jan 2014 20:43:29 GMT

Well, at least you're in...better late than never! Granted not the CL you expected but a foot in the door. Citi tends to HP most of the time for CLI requests unless you have a pre-qualified CLI (via SP) or you receive an auto-CLI based on the account's history including any SP/AR information and whatnot.

Re: Citi Recon Worked, well sort off

ibmrad7 — Thu, 02 Jan 2014 20:45:47 GMT

Hi Finstar,

Now I am confused, if it's going to be a HP I would just use the card well for 3-4 months and then ask for a SP CLI.?

Btw you are right, at least I stepped in the door and didnt waste 2 HPs

Re: Citi Recon Worked, well sort off

MsLadyRover — Thu, 02 Jan 2014 20:50:24 GMT

Congratulations!

Re: Citi Recon Worked, well sort off

ibmrad7 — Thu, 02 Jan 2014 20:52:28 GMT

Thanks LadyRover :-)

Re: Citi Recon Worked, well sort off

Anonymous — Thu, 02 Jan 2014 21:23:58 GMT

My experience with Citi has been to ask for a CLI every six months and it's always been a sp and never been declined. I always do it over the phone and not the luv button.

Re: Citi Recon Worked, well sort off

FinStar — Thu, 02 Jan 2014 20:55:52 GMT

@ibmrad7 wrote:
Hi Finstar,

Now I am confused, if it's going to be a HP I would just use the card well for 3-4 months and then ask for a SP CLI.?
Btw you are right, at least I stepped in the door and didnt waste 2 HPs

With Citi, you can request a CLI at any point, but the younger the account is (< 6 months) then there's a good chance it will be HP. You can definitely contact them around the 4-month mark, but as they review the CLI request if there's any mention of HP, then just wait until after 6 months. You can keep trying until one becomes available if you're trying to minimize the # of HPs on your file.

Re: Citi Recon Worked, well sort off

FinStar — Thu, 02 Jan 2014 20:57:02 GMT

@Anonymous wrote:
My experience with Citi has been to ask for a CLI every six months and it's always been a sp and never be declined. I always do it over the phone and not the luv button.

Yes, it is usually best to contact them since the online request form isn't realy a good predictor of the oucome and tends to be a YEMV scenario.

Re: Citi Recon Worked, well sort off

ibmrad7 — Thu, 02 Jan 2014 21:37:20 GMT

Thanks Finstar and Blackrv7,

really helpful info. I guess I will keep using the card now and request a CLI around 4 months mark....

Re: Citi Recon Worked, well sort off

FinStar — Thu, 02 Jan 2014 21:46:37 GMT

@ibmrad7 wrote:
Thanks Finstar and Blackrv7,

really helpful info. I guess I will keep using the card now and request a CLI around 4 months mark....

Sounds like a good plan ibmrad7. Best of luck with growing your Citi card!

Re: Citi Recon Worked, well sort off

ibmrad7 — Thu, 02 Jan 2014 21:48:37 GMT

Thanks

Re: Citi Recon Worked, well sort off

Anonymous — Thu, 02 Jan 2014 23:50:37 GMT

@ibmrad7 wrote:
Hi Shock_,

Your experience is helpful. Did you wait until you get the card or called right away for CL recon?

I got my card before requesting a CLI. In my case, I didnt recon the CL, but I reconned the CLI denial, if that makes sense.

Re: Citi Recon Worked, well sort off

sjt — Fri, 03 Jan 2014 20:29:37 GMT

@ibmrad7 wrote:
So I applied for Citi Diamond Preferred around November 10th, application stayed pending for 5 days before I got a call from their Analyst asking for my Annual Income. I mentioned the same income I put on the application. Before I could say anything further, she said I can't approve you at this time, please try again in future.
Citi pulled EX (692) and EQ (657) for me, EX had 3 inqs and EQ had 0.
Somewhere on forums I came across Citi's Executive Review Department's mailing address, after much debate I wrote a letter to them explaining my situation, attached recent paystubs and specifically mentioned that I don't want another pull for this recon...

To my surprise after almost 40 days, I just got an emailing from Citi today stating my application has been approved Yay!!!!! The crappy part is the CL, only 500$. I didnt even get that limit when I was a student Lol.

How's Citi with CLIs? Is it always a HP? Do they like to see lot of usage?

Congrats! You got in the "Citi" door.

What were the initial reasons they denied you the first time?

Re: Citi Recon Worked, well sort off

Anonymous — Fri, 03 Jan 2014 20:45:23 GMT

@FinStar wrote:
@Anonymous wrote:
My experience with Citi has been to ask for a CLI every six months and it's always been a sp and never be declined. I always do it over the phone and not the luv button.
+1

Yes, it is usually best to contact them since the online request form isn't realy a good predictor of the oucome and tends to be a YEMV scenario.

I received a SP CLI with them after six months. I called because I wanted to be clear to the CSR that if the system was going to require a HP, then I didn't want to proceed.

Congrats to the OP for the approval and getting a foot in the door.

Re: Citi Recon Worked, well sort off

FocusedAndDetermined — Fri, 03 Jan 2014 22:25:37 GMT

At least, you were sucessful with the recon. Congrats!