Applied with Citi, Hard Pull, Can't find App

Anonymous · ‎11-29-2018

I applied with Citi today for the Fly Now, Pay Later plan with American Airlines. There was an immediate hard pull on my credit, and I was given a notice to wait 7-10 days for a response. Like usual, I call into the bank. They told me they were unable to find the application, we tried my SSN even down to my name and address. Question being, if they don't have an application in their system (because they told me they would have it instantaneously), what should I do about the hard pull? Thanks.

FinStar · ‎11-29-2018

Which number did you call? The American Airlines (non-core Citi) card is handled by a different department. This isn't the regular Citi AAdvantage CCs.

Also, by law, you are required to receive a notification by mail associated with the outcome of your credit application. So just because they (whoever you contacted) could not access or view the application it doesn't mean that the HP is invalid. You legitimately applied and effectively that is consent to access your CR. So, just wait for the letter.

RonM21 · ‎11-29-2018

Good info FinStar. I would have to think either one of or both will happen. Either the OP needs to get ahold of the correct department, or if not, then the letter will come. Not sure I see a circumstance playing out where the HP will be able to be disputed.

Total CL: $321.7k

UTL: 2%

AAoA: 7.0yrs

Baddies: 0

Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping

Anonymous · ‎12-01-2018

@FinStar wrote:
Which number did you call? The American Airlines (non-core Citi) card is handled by a different department. This isn't the regular Citi AAdvantage CCs.

Also, by law, you are required to receive a notification by mail associated with the outcome of your credit application. So just because they (whoever you contacted) could not access or view the application it doesn't mean that the HP is invalid. You legitimately applied and effectively that is consent to access your CR. So, just wait for the letter.

I called the main Citi number again this morning and the representative was very knowledgeable and got me over to the correct department. Still displaying a 7-10 notice, so I guess I'll wait. Thanks for the information guys.

UncleB · ‎12-01-2018

With Citi you really can't rush things... my own app with them a couple of years ago took right at three weeks from app to approval. With the extra week for the card to be mailed it was nearly a month from app to card-in-hand.

After the first week or so I got impatient and called one of the backdoor numbers, where I was told there was nothing they needed; basically I just needed to wait. They eventually sent me an email instructing me to call them (which I felt was rather ironic)... the account was approved during that call.

It was definitely a lesson in patience, but it all worked out in the end. Hang in there!

Anonymous · ‎12-01-2018

@UncleB wrote:
With Citi you really can't rush things... my own app with them a couple of years ago took right at three weeks from app to approval. With the extra week for the card to be mailed it was nearly a month from app to card-in-hand.

After the first week or so I got impatient and called one of the backdoor numbers, where I was told there was nothing they needed; basically I just needed to wait. They eventually sent me an email instructing me to call them (which I felt was rather ironic)... the account was approved during that call.

It was definitely a lesson in patience, but it all worked out in the end. Hang in there!

I appreciate the heads up. Just trying to be patient over here. Haha.