So after months and months of patiently waiting (was waiting for a few inqs to fall off and I was waiting to see if the 5x dining first year would come back - which it didn't), I finally pulled the trigger last night.
I should have learned from when I applied for my citi SYW MC last summer when I had my reports frozen. Well, this time I only had EQ frozen but I had forgotten that I did. I'm not even to the total bonehead move yet. So, I filled everything out and hit 'Agree and Submit'. Well, on the next page, they informed me that my EQ was frozen and gave me a chance to thaw it. I thought that was pretty cool. I opened up another window, surfed to Equifax, and thawed (unfroze?) my report. Or so I thought. I went back to citi, picked the option "I have thawed my report" and hit the continue button.
On the following screen, I get a message saying something like 'we need to review your application further and we will inform you of our results in 7 - 10 days'. I was confused why I didn't get an instant approval. I went back to my EQ web page and noticed at the bottom of the page there was one more button I was supposed to click. Something like 'You are about to unfreeze your report, click here to continue'. Doh!
It's only been 15 hours but I have not heard from citi yet. Oh the suspense!!
@ptatohed wrote:So after months and months of patiently waiting (was waiting for a few inqs to fall off and I was waiting to see if the 5x dining first year would come back - which it didn't), I finally pulled the trigger last night.
I should have learned from when I applied for my citi SYW MC last summer when had my reports frozen. Well, this time I only had EQ frozen but I had forgotten that I did. I'm not even to the total bonehead move yet. So, I filled everything out and hit 'Agree and Submit'. Well, on the next page, they informed me that my EQ was frozen and gave me a chance to thaw it. I thought that was pretty cool. I opened up another window, surfed to Equifax, and thawed (unfroze?) my report. Or so I thought. I went back to citi, picked the option "I have thawed my report" and hit the continue button.
On the following screen, I get a message saying something like 'we need to review your application further and we will inform you of our results in 7 - 10 days'. I was confused why I didn't get an instant approval. I went back to my EQ web page and noticed at the bottom of the page there was one more button I was supposed to click. Something like 'You are about to unfreeze your report, click here to continue'. Doh!
It's only been 15 hours but I have not heard from citi yet. Oh the suspense!!
Always scroll to the bottom of the page!
@nytokyobred79 wrote:Have you tried calling to see if a credit analyst can pull in real time assuming that the system doesn't try to re-pull itself. I've had a situation where an app went to pending bc I hadn't unfrozen my Exp. I called in and the analyst helped me in real time and was able to process on the spot. I was anxious to call in but in the cases of pending apps, etc., I think it's worth calling. But regardless, I wish you good luck. Considering it wasn't an outright denial leaves some hope.Give them a call if you hear nothing by the next day.
Yes, thank you. They said they would process my app and get back to me so I think I will wait for now. But I may eventually call.
There is a web link where you can check the status of your application. Doesn't tell me much more than I knew other than the hopeful 24 hour tease. At least it appears they are reviewing my app. I suspect it is a generic message because it says 7 -10 days but it has already been 2 days (well, ok, 1.5, lol).
https://www.citicards.com/cards/credit/application/flow.action?ID=ApplicationStatus&langId=EN
