topic Re: Citibank Reconsideration question in Credit Cards

Citibank Reconsideration question

gwizdak24 — Tue, 12 Nov 2013 19:53:06 GMT

I applied for the simplicity card and was denied so I called the backdoor number and they asked for a copy of another credit report which I sent (transunion), (they originally pulled experian for me). Needless to say 2 weeks later I get another hard pull for the recon. I want to know has this happened to anyone? I was very surprised.

Re: Citibank Reconsideration question

Anonymous — Tue, 12 Nov 2013 19:58:21 GMT

Yes this is pretty much in-line with what citi does for reconsiderations. They sometimes pull from all 3 bureaus (again) as well.

Re: Citibank Reconsideration question

FinStar — Tue, 12 Nov 2013 20:32:29 GMT

@Anonymous wrote:
Yes this is pretty much in-line with what citi does for reconsiderations. They sometimes pull from all 3 bureaus (again) as well.

Standard re-review process with Citi.

Re: Citibank Reconsideration question

gwizdak24 — Tue, 12 Nov 2013 20:34:10 GMT

thank you so much for the replies because I was going to call someone and go off on them lol.

Re: Citibank Reconsideration question

vish1 — Tue, 12 Nov 2013 22:27:27 GMT

@Njf2203 wrote:
thank you so much for the replies because I was going to call someone and go off on them lol.

Did you get approved? Citibank is not known for recon success.

Re: Citibank Reconsideration question

apacislvallejo — Mon, 06 Jan 2014 21:35:09 GMT

Back in November, I appd for a Citibank Simplicity Card, as well as a Citibank Diamond Preferred and was denied for too many inquiries on both. Then I came across the 718 number on the internet for the executive offices and after reading posts here, I was encouraged to go ahead and recon CDP ... and I got a wonderful helpful woman, Jen, on the phone. She came back 48 hours later and patiently & kindly informed me that they would stick to their oriignal denial decision. SO I hung up and let that rest.

Meanwhile, I found the denial letter from the Simplicity card, and called the backdoor number and explained my situation to the rep about too many inquiries, and explained to him what those inquiries were, etc. He said that he would welcome a reconsider if I emailed them a copy of my credit report; no NP would be done. I did that. And 8 days later, I'm notified by the credit monitoring service that an HP has been done by Citibank.

So I called this morning spoke to a rep, and confirmed they pulled the report. But to my astonishment, it wasn't so much about the Hard Inquiries this time, but I was being restricted because of unsettled accounts back in the past. They gave me an 800 number to call, which I did, and those accounts are from two accounts charged off to BK back in 1996.

So I'm not sure, if I should call back, plead my case with them to say it was written off in bankruptcy, or not ... or that I should let sleeping dogs lie.

ANyways, that's my experience with Citibank. The HP was noted this last time ... I've learned here that whenever you want them to reconsider, it's an auto-HP with Citibank. Thanks, apacislvallejo

Re: Citibank Reconsideration question

ibmrad7 — Mon, 06 Jan 2014 21:57:35 GMT

My experience is right here : http://ficoforums.myfico.com/t5/Credit-Cards/Citi-Recon-Worked-well-sort-off/td-p/2693819

I didnt get the CL I wanted but recon worked without a new PULL

Re: Citibank Reconsideration question

FinStar — Tue, 07 Jan 2014 00:57:19 GMT

@apacislvallejo wrote:
Back in November, I appd for a Citibank Simplicity Card, as well as a Citibank Diamond Preferred and was denied for too many inquiries on both. Then I came across the 718 number on the internet for the executive offices and after reading posts here, I was encouraged to go ahead and recon CDP ... and I got a wonderful helpful woman, Jen, on the phone. She came back 48 hours later and patiently & kindly informed me that they would stick to their oriignal denial decision. SO I hung up and let that rest.

Meanwhile, I found the denial letter from the Simplicity card, and called the backdoor number and explained my situation to the rep about too many inquiries, and explained to him what those inquiries were, etc. He said that he would welcome a reconsider if I emailed them a copy of my credit report; no NP would be done. I did that. And 8 days later, I'm notified by the credit monitoring service that an HP has been done by Citibank.

So I called this morning spoke to a rep, and confirmed they pulled the report. But to my astonishment, it wasn't so much about the Hard Inquiries this time, but I was being restricted because of unsettled accounts back in the past. They gave me an 800 number to call, which I did, and those accounts are from two accounts charged off to BK back in 1996.

So I'm not sure, if I should call back, plead my case with them to say it was written off in bankruptcy, or not ... or that I should let sleeping dogs lie.

ANyways, that's my experience with Citibank. The HP was noted this last time ... I've learned here that whenever you want them to reconsider, it's an auto-HP with Citibank. Thanks, apacislvallejo

It sounds like no matter which backdoor you pursue, it's going to be a no-go in either case. I would let time pass and see if the opportunity present itself in the future. It's going to be a YEMV situation for every individual but it sounds like the negative factors would not tilt the approval in your direction at this point.

Re: Citibank Reconsideration question

gwizdak24 — Tue, 07 Jan 2014 02:22:56 GMT

Nope, I didn't get approved. They said I had a negative account on my report ( I was disputing a Verizon account, someone opened on my name but couldn't get to the bottom of it). I tried to explain to them that I got approved for the Diamond Preferred (I think that is what it was) (the same day), so I don't see how I got approved for one and not the other. They weren't having it. Was a little bummed but over it now.

Re: Citibank Reconsideration question

apacislvallejo — Tue, 07 Jan 2014 03:50:27 GMT

Yah. I think you're right. I've resolve myself to accept and let go ... But I did go from a $500 to $5500 credit increase on my Best Buy Mastercard with the help of this board ... The ironic thing is that the card is owned by Citibank, NA ... [LOL---all the way to the bank]

Re: Citibank Reconsideration question

FinStar — Tue, 07 Jan 2014 04:01:49 GMT

@apacislvallejo wrote:
Yah. I think you're right. I've resolve myself to accept and let go ... But I did go from a $500 to $5500 credit increase on my Best Buy Mastercard with the help of this board ... The ironic thing is that the card is owned by Citibank, NA ... [LOL---all the way to the bank]

Well, on the upside you were able to get the CLI on your BB MC which is stil good. Technically, although Citibank is the parent entity, Citi Retail Services is a little more lenient in U/W policies than it's sibling, Citi Cards.

Re: Citibank Reconsideration question

apacislvallejo — Tue, 07 Jan 2014 04:53:36 GMT

@FinStar wrote:
@apacislvallejo wrote:
Yah. I think you're right. I've resolve myself to accept and let go ... But I did go from a $500 to $5500 credit increase on my Best Buy Mastercard with the help of this board ... The ironic thing is that the card is owned by Citibank, NA ... [LOL---all the way to the bank]
Well, on the upside you were able to get the CLI on your BB MC which is stil good. Technically, although Citibank is the parent entity, Citi Retail Services is a little more lenient in U/W policies than it's sibling, Citi Cards.

You got dat straight. Thanks, Fin. Your notes have been great and a big motivator for me doing on here what I've been doing. And following the advice, I've literally raised the collective Credit Limits from $24K to $48.5K ... a whopping 49.8% increase; and the balances are around $2500 ... And I've gotten my AMEX back; and now a Chase Freedom ... this site and you all were a GOD send.

Re: Citibank Reconsideration question

FinStar — Tue, 07 Jan 2014 05:04:52 GMT

@apacislvallejo wrote:
@FinStar wrote:
@apacislvallejo wrote:
Yah. I think you're right. I've resolve myself to accept and let go ... But I did go from a $500 to $5500 credit increase on my Best Buy Mastercard with the help of this board ... The ironic thing is that the card is owned by Citibank, NA ... [LOL---all the way to the bank]
Well, on the upside you were able to get the CLI on your BB MC which is stil good. Technically, although Citibank is the parent entity, Citi Retail Services is a little more lenient in U/W policies than it's sibling, Citi Cards.
You got dat straight. Thanks, Fin. Your notes have been great and a big motivator for me doing on here what I've been doing. And following the advice, I've literally raised the collective Credit Limits from $24K to $48.5K ... a whopping 49.8% increase; and the balances are around $2500 ... And I've gotten my AMEX back; and now a Chase Freedom ... this site and you all were a GOD send.

I'm glad to hear the opportunities have opened up for you. There's all kinds of great information on this site and lots of great folks who share their experiences and insight. So, overall a commendable achievement on your part including re-establishing your AMEX relationship.