Citi DC Denial

[Grizzly1]

Besides the Amazon Prime card, I also apped for the above card but was denied and I just got the "To many inquiries" email. My issue is that besides them and Chase, the only credit card inquiry was from them which will fall off in November. All my credit cards (Discover, Cap One, Apple) are over two years old.

I do however have several recent auto loan inquiries on my credit file. I was under the impression that those wouldn't count towards appliying for credit cards. Would I be wasting my time trying to recon?

[Anonymous]

they take in to consideration all inquries. It does  not matter what it is for such as a car loans.

How many total inquries do you have?

Chase is very un friendly to inquries.

Thanks

Mark

[Grizzly1]

Seven total for TU.

[arunkumarmm]

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@Grizzly1 wrote:

Besides the Amazon Prime card, I also apped for the above card but was denied and I just got the "To many inquiries" email. My issue is that besides them and Chase, the only credit card inquiry was from them which will fall off in November. All my credit cards (Discover, Cap One, Apple) are over two years old.

I do however have several recent auto loan inquiries on my credit file. I was under the impression that those wouldn't count towards appliying for credit cards. Would I be wasting my time trying to recon?

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Did you apply for chase and citi on the same day? And Citi being the 2nd? And did they both pull the same CR?

[Grizzly1]

Within a few minutes of each other yes. 

[arunkumarmm]

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@Grizzly1 wrote:

Within a few minutes of each other yes. 

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This is something I too faced. I'm yet to get the letter but seems like 1 inq in 5 days is the rule for Citi and if it is not, the system auto denies that app. I called the EO backdoor number and they are saying that they cannot override the system denial. Try calling them and see, YEMV..

[Mr_Mojo_Risin]

The algorithm just sees inquiries no matter what they're from.

You could try a recon and explain the auto inquiries.

[Taurus22]

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@arunkumarmm wrote:

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@Grizzly1 wrote:

Besides the Amazon Prime card, I also apped for the above card but was denied and I just got the "To many inquiries" email. My issue is that besides them and Chase, the only credit card inquiry was from them which will fall off in November. All my credit cards (Discover, Cap One, Apple) are over two years old.

I do however have several recent auto loan inquiries on my credit file. I was under the impression that those wouldn't count towards appliying for credit cards. Would I be wasting my time trying to recon?

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Did you apply for chase and citi on the same day? And Citi being the 2nd? And did they both pull the same CR?

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This in itself might be the issue. The auto loan INQ's could also be a factor, but I know Citi has the no INQ's in (what is it.....3 days, 6 days? I can't remember...)  The Chase app immediately prior may have spooked them and violated that rule.

[coldfusion]

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@arunkumarmm wrote:

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@Grizzly1 wrote:

Within a few minutes of each other yes. 

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This is something I too faced. I'm yet to get the letter but seems like 1 inq in 5 days is the rule for Citi and if it is not, the system auto denies that app. I called the EO backdoor number and they are saying that they cannot override the system denial. Try calling them and see, YEMV..

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Citi does have rules regarding not approving more than 2 Citi cards within a sliding 60 day window (commonly referred to as the 2/65 rule) and a soft 6 inquiry/6 month guideline.  Pretty much anything beyond that is largely a YMMV situation.

As for calling the EO, they generally do not involve themselves in these kinds of decisions outside of exceptionally unusual situations like a potential FCRA violation in the making; under normal circumstances even a "YMMV" overestimates ones odds of their intervention.

One can always request a recon but expect it to cost another hard pull.

[arunkumarmm]

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@coldfusion wrote:

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@arunkumarmm wrote:

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@Grizzly1 wrote:

Within a few minutes of each other yes. 

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This is something I too faced. I'm yet to get the letter but seems like 1 inq in 5 days is the rule for Citi and if it is not, the system auto denies that app. I called the EO backdoor number and they are saying that they cannot override the system denial. Try calling them and see, YEMV..

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Citi does have rules regarding not approving more than 2 Citi cards within a sliding 60 day window (commonly referred to as the 2/65 rule) and a soft 6 inquiry/6 month guideline.  Pretty much anything beyond that is largely a YMMV situation.

As for calling the EO, they generally do not involve themselves in these kinds of decisions outside of exceptionally unusual situations like a potential FCRA violation in the making; under normal circumstances even a "YMMV" overestimates ones odds of their intervention.

One can always request a recon but expect it to cost another hard pull.

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I don't have a citi card, this is the first time I tried for the custom cash. I apped for MCP from FNBT and it went pending, they pulled EX. I was in an assumption that citi will pull EQ but they pulled EX as well and denied right out. I had 1/6, 1/12 and 4/24 inq & new account. 

When I spoke to the lady on the EO number, she verified my app and mentioned that a prior inq on the same day is the issue.