topic Re: Recon for citi and us bank in Credit Cards

Recon for citi and us bank

Anonymous — Thu, 14 Aug 2014 03:20:37 GMT

Since I have cards from CCC's listed in my signature and have lots of inquiries, but have 10% overall util, can I use the other CCC as leverage and reason for citi and us bank to open accounts for me? ie. want to establish relationship with them ,etc?

Re: Recon for citi and us bank

Anonymous — Thu, 14 Aug 2014 04:56:25 GMT

Citi does not have a recon. they show no mercy, and when I called executive relations for a recon, they made fun of my low credit limits.

Re: Recon for citi and us bank

Anonymous — Thu, 14 Aug 2014 05:01:19 GMT

@Anonymous wrote:
Citi does not have a recon. they show no mercy, and when I called executive relations for a recon, they made fun of my low credit limits.

For anyone else, is this true...?

Re: Recon for citi and us bank

B335is — Thu, 14 Aug 2014 07:38:20 GMT

@Anonymous wrote:
@Anonymous wrote:
Citi does not have a recon. they show no mercy, and when I called executive relations for a recon, they made fun of my low credit limits.
For anyone else, is this true...?

I wouldn't say "no recon" but it is close. Reconsideration with Citi usually involves reaching out to the Executive Office, pleading your case, another hard pull and maybe a 5% success rate. I've never been able to do it, but there are folks who have.

I have no idea with US Bank.

Re: Recon for citi and us bank

maiden_girl — Thu, 14 Aug 2014 08:37:21 GMT

@B335is wrote:
@Anonymous wrote:
@Anonymous wrote:
Citi does not have a recon. they show no mercy, and when I called executive relations for a recon, they made fun of my low credit limits.
For anyone else, is this true...?
I wouldn't say "no recon" but it is close. Reconsideration with Citi usually involves reaching out to the Executive Office, pleading your case, another hard pull and maybe a 5% success rate. I've never been able to do it, but there are folks who have.

I have no idea with US Bank.

This is true. Citi hardly does recons. Their CSRs are rude and unhelpful. They are very particular about credit reports. Denied. Too many inquires. Too many new accounts. Too high UTL. Loan balance too high. I applied with Citi like a thousand times before they gave me a card...and my credit isn't even bad!

Re: Recon for citi and us bank

Cstone87 — Thu, 14 Aug 2014 09:18:23 GMT

Citi is the worse at recons. CSRs have no control to override system like Chase or BofA analyst can. They read from a script. EO is worthless and I can guarantee additional hard pulls with a 30/70 success rate. They are very particular, ironically the cards are bland and the bank is bipolar. I would cut your loss now and find a better card.

Any typos apologizes on iPhone 5s

Re: Recon for citi and us bank

Cstone87 — Thu, 14 Aug 2014 09:24:01 GMT

They also send vague conjecture reason's for denial. I've seen one list no score or CRA they pulled (despite knowing they had done so on EQ) and based there decision. They based it on "could not verify application". Called 3 times and EO pulled my EXP -no dice. Avoid this amateur bank like the plague. Glad the DOJ got them.

Again YMMV

Sorry typos my apologizes iPhone 5s

Re: Recon for citi and us bank

juggalo9er — Thu, 14 Aug 2014 13:48:53 GMT

the better question is what are you looking for in a card

Re: Recon for citi and us bank

Closingracer99 — Thu, 14 Aug 2014 13:52:27 GMT

@maiden_girl wrote:
@B335is wrote:
@Anonymous wrote:
@Anonymous wrote:
Citi does not have a recon. they show no mercy, and when I called executive relations for a recon, they made fun of my low credit limits.
For anyone else, is this true...?
I wouldn't say "no recon" but it is close. Reconsideration with Citi usually involves reaching out to the Executive Office, pleading your case, another hard pull and maybe a 5% success rate. I've never been able to do it, but there are folks who have.

I have no idea with US Bank.
This is true. Citi hardly does recons. Their CSRs are rude and unhelpful. They are very particular about credit reports. Denied. Too many inquires. Too many new accounts. Too high UTL. Loan balance too high. I applied with Citi like a thousand times before they gave me a card...and my credit isn't even bad!

Rude? I founnd them fantastic whenever I had to call them though I already have a card so maybe thats why lol

Re: Recon for citi and us bank

tomfromrictmame — Thu, 14 Aug 2014 14:02:22 GMT

I have an open recon with them now. Was denied for a Hilton Honors Cards, and called the EO. The woman was very helpful and transferred me someone else in the EO who told me the reason was too many inquiries (the online message didn't give me a reason). She asked me about the inquiries, I had my (legitimate) story. She said she would send it in for a manual review and I would have an answer likely by Friday. Don't know if it will be successful, but I was dealt with very professionally.

Re: Recon for citi and us bank

ibmrad7 — Thu, 14 Aug 2014 15:05:49 GMT

I have recon'd with Citi successfully last November. It took 45 days. I applied for 21 months 0% BT offer for Diamond Preffered.

They rejected stating high balances on my other accounts. I wrote a letter for recon, attached 2 paystubs to prove my income and mailed it to their Dakota office (North or South I don't remember). I totally forgot until after a month or so I got an congratulation email from Citi that I have been approved.

So it can work for you as well. Just make a solid case.

Re: Recon for citi and us bank

FICO_Fighter — Thu, 14 Aug 2014 17:29:33 GMT

Edit

Re: Recon for citi and us bank

370Z — Thu, 14 Aug 2014 22:17:34 GMT

Citi does not like a lot of inquiries. You'll to have to wait until they age off.

Re: Recon for citi and us bank

CreditUnionFan — Fri, 15 Aug 2014 01:16:57 GMT

@370Z wrote:
Citi does not like a lot of inquiries. You'll to have to wait until they age off.

They also don't like new accounts, even for a CLI.

I tried to recon, and it was pointless. Basically I've been told to wait at least six months with no new credit lines before asking for a CLI on a 12-year old account... it was up at $10k once, then slashed down to $500, got a bump to $1500, but nothing since.

Good thing I have several other $10k cards, and Citi can wonder why I only use their card for the 5% rewards categories...

Re: Recon for citi and us bank

Closingracer99 — Fri, 15 Aug 2014 03:31:02 GMT

@CreditUnionFan wrote:
@370Z wrote:
Citi does not like a lot of inquiries. You'll to have to wait until they age off.
They also don't like new accounts, even for a CLI.

I tried to recon, and it was pointless. Basically I've been told to wait at least six months with no new credit lines before asking for a CLI on a 12-year old account... it was up at $10k once, then slashed down to $500, got a bump to $1500, but nothing since.

Good thing I have several other $10k cards, and Citi can wonder why I only use their card for the 5% rewards categories...

Really? I must be lucky lol. Added like 10 more accounts and Citi just approved me $2,000 CLI on both my cards which were 2 months old at the time. HP's but got them approved

Re: Recon for citi and us bank

tomfromrictmame — Fri, 15 Aug 2014 13:15:20 GMT

@tomfromrictmame wrote:
I have an open recon with them now. Was denied for a Hilton Honors Card, and called the EO. The woman was very helpful and transferred me someone else in the EO who told me the reason was too many inquiries (the online message didn't give me a reason). She asked me about the inquiries, I had my (legitimate) story. She said she would send it in for a manual review and I would have an answer likely by Friday. Don't know if it will be successful, but I was dealt with very professionally.

My recon was approved. I don't yet know the CL or the other particulars (I was left a voicemail telling I was approved). I expect to have my card within a week.

Re: Recon for citi and us bank

B335is — Fri, 15 Aug 2014 16:21:37 GMT

Congrats tom!

Re: Recon for citi and us bank

tomfromrictmame — Mon, 18 Aug 2014 20:11:56 GMT

@tomfromrictmame wrote:
@tomfromrictmame wrote:
I have an open recon with them now. Was denied for a Hilton Honors Card, and called the EO. The woman was very helpful and transferred me someone else in the EO who told me the reason was too many inquiries (the online message didn't give me a reason). She asked me about the inquiries, I had my (legitimate) story. She said she would send it in for a manual review and I would have an answer likely by Friday. Don't know if it will be successful, but I was dealt with very professionally.
My recon was approved. I don't yet know the CL or the other particulars (I was left a voicemail telling I was approved). I expect to have my card within a week.

Email approval came today (after last week's voicemail). Visa Signature Card with an 8K CL.

Re: Recon for citi and us bank

Anonymous — Mon, 18 Aug 2014 21:20:32 GMT

@Anonymous wrote:
@Anonymous wrote:
Citi does not have a recon. they show no mercy, and when I called executive relations for a recon, they made fun of my low credit limits.
For anyone else, is this true...?

Re: Recon for citi and us bank

Christina_xyt — Mon, 18 Aug 2014 21:28:07 GMT

i am more interested in the US bank.. I want the cash + but i guess when i actually app for it i will ahve to do the recon?...