Hello again everyone. I was recently approved for the Citi Rewards + card, and I chose to apply for the Custom Cash ten days later. I got the 7-10 day message. I am hoping to get approved because it will make me more comfortable closing out my rebuilders without causing a spike in my utilization. I researched this on here and it looks like the 7-10 day message is not necessarily a denial as it is with other creditors. What do you think?
@FinStar wrote:It can go in either direction, tbh.
What was the SL for Citi Rewards+? Aside from the latter, how many inquiries and/or new tradelines opened in the past 6 or 12 months? FICO score in good range?
You can always check the status online or through the automated system IIRC. Fingers-crossed that it works out for you🤞
Keep us posted.
My sl for the Cit Rewards + is $3,300. I have a lot of inquiries, many of which are from late 2021. Citi pulled Equifax only, which only had two inquiries. Now it has four because they pulled it for both cards I applied for. Not too bad. As for recent cards and tradelines, I have 2 Amex, 1 store card, 1 loan, and 1 personal line of credit. My scores are good, in the 680-695 range. As for the status, I tried to check it through the app but it doesn't show. I didn't apply through the app, though. I applied on the website. I don't remember if I was logged in at the time.
My concern is that they may think I'm trying to churn rewards, which isn't true. I'm hoping that I can speak with a rep to explain my reason for applying for a second card so soon.
I logged in to the website, and I don't see where to find the pending application.
@CreditCuriosity wrote:Call the number in the sticky believe last one can speak with US Based rep. Best of luck
Thank you, where do I find that?
@FinStar wrote:
@shalimarcat wrote:
@FinStar wrote:It can go in either direction, tbh.
What was the SL for Citi Rewards+? Aside from the latter, how many inquiries and/or new tradelines opened in the past 6 or 12 months? FICO score in good range?
You can always check the status online or through the automated system IIRC. Fingers-crossed that it works out for you🤞
Keep us posted.
My sl for the Cit Rewards + is $3,300. I have a lot of inquiries, many of which are from late 2021. Citi pulled Equifax only, which only had two inquiries. Now it has four because they pulled it for both cards I applied for. Not too bad. As for recent cards and tradelines, I have 2 Amex, 1 store card, 1 loan, and 1 personal line of credit. My scores are good, in the 680-695 range. As for the status, I tried to check it through the app but it doesn't show. I didn't apply through the app, though. I applied on the website. I don't remember if I was logged in at the time.
My concern is that they may think I'm trying to churn rewards, which isn't true. I'm hoping that I can speak with a rep to explain my reason for applying for a second card so soon.
I logged in to the website, and I don't see where to find the pending application.
Just keep in mind that algorithms are the deciding engine of the application, not an agent. Even if you speak with a frontline agent, they're not empowered to overturn the decision if the application is denied.
This could be one of those 50/50 situations based on what you've shared above.
Then how come others have reported that, after speaking with a rep, they were approved? For instance, some were borderline and the rep had to verify their income?
I called the phone number on the sticky for this forum. A really nice rep said that a letter had been mailed out on the 30th. He said that, when I get it, to follow the instructions.