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Citi Double MasterCard Denied Due to Previous or existing account history

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Citi Double MasterCard Denied Due to Previous or existing account history

I applied for a CItiBank Mastercard for my business I have a 735 EX and they hit my credit and then denied me.  All the items on my report is good nothing bad.  Not sure what they are saying when they say previous or existing account history of late payments.  I dnt have anything on current reports.  Do they go other places to get data points?

EXP 733 TRN 722 EQ 504(Rebuilding)
Message 1 of 5
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Established Contributor

Re: Citi Double MasterCard Denied Due to Previous or existing account history


@SeanBro wrote:

I applied for a CItiBank Mastercard for my business I have a 735 EX and they hit my credit and then denied me.  All the items on my report is good nothing bad.  Not sure what they are saying when they say previous or existing account history of late payments.  I dnt have anything on current reports.  Do they go other places to get data points?


Do you know if they also pulled a biz CR ?

Ever had lates on a biz account ?

Jax

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Then you are a fool. Be thankful that when God gave you a face, he gave you a fool's face
Message 2 of 5
Super Contributor

Re: Citi Double MasterCard Denied Due to Previous or existing account history


@SeanBro wrote:

I applied for a CItiBank Mastercard for my business I have a 735 EX and they hit my credit and then denied me.  All the items on my report is good nothing bad.  Not sure what they are saying when they say previous or existing account history of late payments.  I dnt have anything on current reports.  Do they go other places to get data points?


When you apply for a business card with them they look at old stuff in their own records that no longer appears in your credit report.

 

If they ever forgive ancient missteps, that I do not know.

 

Just realized OP applied for a Double Cash MC, which is not a business card. Sorry about that.

 


Total revolving limits 728500 (602000 reporting) 10/2/19 FICO 8 scores: EQ 744 TU 782 EX 746
Message 3 of 5
Regular Contributor

Re: Citi Double MasterCard Denied Due to Previous or existing account history

@jaxstraw 

 

The Citi Double Cash is not a business card. I know you know that. Citi would only pull consumer credit. 

 

@SeanBro

 

Follow up with Citi and find out more. What existing account of late payments are they refering to? Get them on the phone. Citi is normally pretty good in that respect and will talk openly about your denial after you've received your letter compared to other banks. 

 

bizcredit11

Message 4 of 5
Established Contributor

Re: Citi Double MasterCard Denied Due to Previous or existing account history


@bizcredit11 wrote:

@jaxstraw 

 

The Citi Double Cash is not a business card. I know you know that. Citi would only pull consumer credit. 

 

@SeanBro

 

Follow up with Citi and find out more. What existing account of late payments are they refering to? Get them on the phone. Citi is normally pretty good in that respect and will talk openly about your denial after you've received your letter compared to other banks. 

 

bizcredit11


The OP says in his original post it was applied for his business.

Something doesn't add up if a Double Cash is a personal card.

 

Maybe this is the reason for denial.

Jax

*************************************************************************************
Then you are a fool. Be thankful that when God gave you a face, he gave you a fool's face
Message 5 of 5
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