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CITI Double Cash Mastercard DENIED, should I recon?

conejochapin
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
WarEagle1
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
SFLSpotter9210
Established 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 😎.
NFCU Flagship 25,000 Penfed PowerCash 8,750 PenFed PL 20,000 NFCU AMEX Rewards 37,500 NFCU GoRewards 7,000
Capital One Quicksilver 6,300
Lowe’s 34,500
Barclay Apple1k
Citi Rewards+ 10,600
Citi Double Cash 14,800
Citi Simplicity 5,500
PNC Core VISA 17,500
Home Depot 1,000
USAA AMEX 10,000
Discover 13,000
BB&T Rewards 4,500 BB&T Bright Card 4,500 GS Apple 5,500 Chevron 1650 Fico 8 Scores EQ=756,EX=769,TU=765 scores and CL current as of 02/05/21 AAoA=2years10minths AoOA=17yrs
Message 3 of 5
pinkandgrey
Community Leader
Senior 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 ED: 18k
Citi DC: 7.7k
FNBO Rewards Visa: 3.2k
~~~~~~~~~~~~~~~~~~
Once you go Berner, you never go back.
Message 4 of 5
kdm31091
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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