Opening a new thread for this one since the other one was closed and it's moved onto an app. For anyone that hadn't been following the other thread where I tried to figure out what to app next, I have a thin, young file (13 months, 1 account, flawless history otherwise, good scores of 770, 771, 770.) I got "no offers" on the prequal site for Citi, WF, and FNBO. Did get BCE, BCP, Plat offers on Amex, but not interested in them at this time. So the banks don't like me all that much still.
Thanks to the....erm....very strong.....encouragement from a few of our friendly, neighborhood mods and posters, I finally jumped in on schedule and apped tor Citi DC where I got the 7-10 day response.
We have received your application and further processing is required. We will contact you in approximately 7-10 days regarding our decision.
The status page reports that they sometimes can post a decision within 24, otherwise wait 7-10 days. I figure with such a thin file and some missing data issues on the report like phone number, employment, etc, and the thin file in general it probably requires manual review, maybe verification. I don't want to look desperate or force them to accelerate anything they're otherwise going to do naturally, and my thin file puts me in a weak position with them, so I'll give them the 24 business hours at least until Tuseday morning and see what happens. They're a big company. Manual UW isn't going to be instantaneous, sink or swim.
I don't have very high hopes given all the prequal "denials" for 3 banks, the very thin file is still a big problem, but there's at least some hope given other posts on this forum over the years regarding people with this message, some accellerating it by calling, and some giving them time to do their thing. I'll give them the time and see what happens over the week. Expecting denial, but it's not hopeless.
@Remedios You were far, far too eager to close that thread, you know. That's a lender-level technicality doing it on the CLI approval side-story 
@uncredited wrote:Opening a new thread for this one since the other one was closed and it's moved onto an app. For anyone that hadn't been following the other thread where I tried to figure out what to app next, I have a thin, young file (13 months, 1 account, flawless history otherwise, good scores of 770, 771, 770.) I got "no offers" on the prequal site for Citi, WF, and FNBO. Did get BCE, BCP, Plat offers on Amex, but not interested in them at this time. So the banks don't like me all that much still.
Thanks to the....erm....very strong.....encouragement from a few of our friendly, neighborhood mods and posters, I finally jumped in on schedule and apped tor Citi DC where I got the 7-10 day response.
We have received your application and further processing is required. We will contact you in approximately 7-10 days regarding our decision.
The status page reports that they sometimes can post a decision within 24, otherwise wait 7-10 days. I figure with such a thin file and some missing data issues on the report like phone number, employment, etc, and the thin file in general it probably requires manual review, maybe verification. I don't want to look desperate or force them to accelerate anything they're otherwise going to do naturally, and my thin file puts me in a weak position with them, so I'll give them the 24 business hours at least until Tuseday morning and see what happens. They're a big company. Manual UW isn't going to be instantaneous, sink or swim.
I don't have very high hopes given all the prequal "denials" for 3 banks, the very thin file is still a big problem, but there's at least some hope given other posts on this forum over the years regarding people with this message, some accellerating it by calling, and some giving them time to do their thing. I'll give them the time and see what happens over the week. Expecting denial, but it's not hopeless.
@RemediosYou were far, far too eager to close that thread, you know. That's a lender-level technicality doing it on the CLI approval side-story
Technicality?
Hardly.
Please search through credit card forum and look at recently closed threads.
Once there is an approval, thread is locked.
That's applied equally across the board for everyone, so I am not quite sure why you'd think I was eager to close your thread.
In other words, you literally are stated you were singled out when that's furthest thing from the truth.
15 pages later, that's very unfair and unfounded allegation.
How would I justify keeping your thread open when everyone else got theirs locked under same circumstances.
One example of thread getting locked after approval, even if topic wasn't the card that got approved.
Another example of thread getting locked after the approval for a card that wasn't even discussed.
CLI is considered approval, approval = lock.
In the future, should you have a question or concern regarding any moderator action, use three dots in the upper hand corner and describe what happened and what the issue is.
That part is covered here
