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CITI Double Cash Mastercard DENIED, should I recon?

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Regular Contributor

CITI Double Cash Mastercard DENIED, should I recon?

I applied for the CITI Double Mastercard and was denied.  Their reason "A delinquent credit obligation, either paid or unpaid, was recorded on your credit report."

They used pull EX, and the collection that they saw, was removed yesterday.

Should I call to recon?!






Message 1 of 5
4 REPLIES 4
Frequent Contributor

Re: CITI Double Cash Mastercard DENIED, should I recon?

I’m unfamiliar with CITI’s practices. I say it’s worth shot. Let us know how it goes, if you decide to call. Good luck!




Life’s a garden...Dig it!
Dangit.
Message 2 of 5
Frequent Contributor

Re: CITI Double Cash Mastercard DENIED, should I recon?

I would for sure call and ask. Can’t hurt to ask for reconsideration. Especially when you got HP’s. Your never going to acquire anything in life without asking for it. Every time I go out and purchase something no matter what it is I ask for a discount. I may make it sound like a joke but, I’m dead serious about it. I have a pretty **bleep** good winning percentage of gains over losses. Good luck with your recon 😎.
Capital One Quicksilver 6,300
5/3 Truly Simple 2,300
5/3 Trio 3,200
Barclay Apple 1k
Citi Rewards+ 6,100
Citi Double Cash 8,300
Citi Simplicity 1,500
Home Depot 1,000
Discover 7,500
BB&T Rewards 4,500 BB&T Bright Card 4,500 Fico 8 Scores EQ=690 EX=670 TU=666 Scores and CL current as of 7/24/19 AAoA=7yr6months AoOA=17yrs
Message 3 of 5
Community Leader
Valued Contributor

Re: CITI Double Cash Mastercard DENIED, should I recon?

Definitely try! Although they may want to pull your credit again to verify that the collection was removed. 

 

Good luck!

Discover It: 19.7k
Amex BCE: 18k
Citi DC: 5.7k
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Once you go Berner, you never go back.
Message 4 of 5
Super Contributor

Re: CITI Double Cash Mastercard DENIED, should I recon?

You can recon, but unless they pull a fresh copy, they won't see that the collection has been removed, and thus will probably stick by the decision. You will probably have to sacrifice another hard pull. Not sure on Citi's recon policies for denied apps really, as I have not heard too many positive stories, but it can't hurt to ask.

Message 5 of 5
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