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Citi Custom Cash DP's for my decline

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fatcomic
Regular Contributor

Citi Custom Cash DP's for my decline

Here are some DP's.   

Against my better judgement I app'd the Citi Custom Cash - that 5% was just too much to lure me into the dark side.

Pulled EQ - Fico8 794

inq's when i applied - 6/24

new accounts: 5/12  and 8/24 plus 1 AU account added in May.  

 

I knew better, I can't even be mad at them.   I am waiting for the letter, although I'm sure I already know that it says somebody needs to lock me in the garden.  Or maybe it could be because I have an open dispute on my Double Cash, I'd hope not but who knows?   

 

edit:  Forgot to add my utilization: 5% and no derogs.   


Message 1 of 6
5 REPLIES 5
gingerflower
Senior Contributor

Re: Citi Custom Cash DP's for my decline

@fatcomic 

Sorry for the decline. 

Message 2 of 6
kilroy8
Super Contributor

Re: Citi Custom Cash DP's for my decline

Yes, they are getting more inclusive on what they consider churners.

 

They are all going that direction.

Message 3 of 6
FalconSteve
Valued Contributor

Re: Citi Custom Cash DP's for my decline

Sorry about the decline. I have to lock my reports because I impulse apply too often. I usually get approved, but Chase has that 5/24 rule and Discover seems to hate me, despite pre-approving me, oh and Goldman can't verify may or my wife's ID for apple cards, better luck next time.

1/8/17 Discover $18300 CL- $1k SL- AU, wife
1/26/20 AmEx Cash Magnet $35k CL, wife
2/19/20 BB&T/Truist Rewards $11k SL- impulse application
2/22/20 Citi Double Cash WEMC $2.9k-->$4.4k-->$8.4k-->$13.4k-->$17.4k-->$19.4k-->$22.4k-->27.4k AU, wife
3/8/20 Wells Fargo Propel AmEx/Autograph VISA $2900-->$3200-->$5000-->$8800-->$13k-->$15.5k CL- AU, wife
3/9/20 Truist Rewards $11k SL --> $13.5k- AU, wife- impulse app
3/21/20 REDcard MasterCard (TD Bank) $2500-->$6000-->$6500 CL
11/24/20 AmEx Cash Magnet $10k SL-->36hr-->$20k-->$35k CL
6/10/21 SoFi World Elite MC $7000 SL
1/19/22 AppleCard/GS $6k-->$10k-->$11k-->$12k AU, wife
8/15/22 Chase freedom flex $10.3k SL-->$12.5k-->$15k-->$19k AU, wife
7/5/23 Lowes/Synchrony $4k-->$10k-->same day-->$35k CL
8/2/23 Chase freedom flex $19k --> $22.8k-->24.3k CL
8/2/23 Discover $8k SL
Message 4 of 6
Wavester64
Valued Contributor

Re: Citi Custom Cash DP's for my decline


@fatcomic wrote:

Here are some DP's.   

Against my better judgement I app'd the Citi Custom Cash - that 5% was just too much to lure me into the dark side.

Pulled EQ - Fico8 794

inq's when i applied - 6/24

new accounts: 5/12  and 8/24 plus 1 AU account added in May.  

 

I knew better, I can't even be mad at them.   I am waiting for the letter, although I'm sure I already know that it says somebody needs to lock me in the garden.  Or maybe it could be because I have an open dispute on my Double Cash, I'd hope not but who knows?   

 

edit:  Forgot to add my utilization: 5% and no derogs.   


Sorry about your denial Smiley Sad - I am confident you will have it someday.

 

Side note - would you happen to know what your x/6 was on New accounts & INQs?






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Message 5 of 6
fatcomic
Regular Contributor

Re: Citi Custom Cash DP's for my decline


@Wavester64 wrote:
 

Sorry about your denial Smiley Sad - I am confident you will have it someday.

 

Side note - would you happen to know what your x/6 was on New accounts & INQs?


My new accounts are 2/6 (plus my wife added me as an AU on her AmEx in May to help get SUB spend) and EQ inqs in the past 6 months were only 1 at the time I applied.  The other account was a TU inquiry.  


Message 6 of 6
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