Citi Double Cash Denial

[icednightpaper]

Pulled the trigger on a DC due to both EX (777) and EQ (780) being pretty strong at the moment, with 8% util, 0/6 & 6/24 inquiries and last new account was 3/2020.

Instant Denial, two HPs when my R+ was one. Ouch.

While I'm not necessarily surprised due to the ongoing world issues, I'm a little sad because I felt like I could've been worth even a small SL. Do y'all think it's worth trying a backdoor number now, wait for the denial letter, or just wait 5 months and try again?

Update 2

I called recon, and they highlighted my accounts in 12 months (4/12 personal, 6/12 AU, 7/12 AU + HELOC, 9/12 AU + HELOC + Installment) and my balances. (8% overall util but 50% on a $10,000 card).

The letter may have more but depending on what they considered for the new accounts, I'm willing to bet that did it.

[Credit12Fico]

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@icednightpaper wrote:

Pulled the trigger on a DC due to both EX (777) and EQ (780) being pretty strong at the moment, with 8% util, 0/6 & 6/24 inquiries and last new account was 3/2020.

Instant Denial, two HPs when my R+ was one. Ouch.

While I'm not necessarily surprised due to the ongoing world issues, I'm a little sad because I felt like I could've been worth even a small SL. Do y'all think it's worth trying a backdoor number now, wait for the denial letter, or just wait 5 months and try again?

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I don't have much to add, but that is an awesome lineup of cards you have there! Incredibly jealous.  I take it the cash+ gets fed the utilities bill?

[M_Smart007]

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@icednightpaper wrote:

Pulled the trigger on a DC due to both EX (777) and EQ (780) being pretty strong at the moment, with 8% util, 0/6 & 6/24 inquiries and last new account was 3/2020.

Instant Denial, two HPs when my R+ was one. Ouch.

While I'm not necessarily surprised due to the ongoing world issues, I'm a little sad because I felt like I could've been worth even a small SL. Do y'all think it's worth trying a backdoor number now, wait for the denial letter, or just wait 5 months and try again?

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@icednightpaper, Sorry for your DC denial, that has to be disappointing

I would call, you have nothing to lose. JMHO

[Credit4Growth]

IMO, I would try option one or two.  Consider this a finishing move.  You have already taken 2 HPs, they have your info plus you do already know that they can  ot shoot you through the phone.  Take your shot, maybe you will score.   YMMV and good luck!

[AllZero]

Good luck on your reconsideration! May the odds be ever in your favor.

[icednightpaper]

@Credit12Fico
Hey, thanks for that! I’m sure you’ll be on you way in no time. You’re right on the money, utilities and tv/internet/streaming are my permission categories until they remove them

Hmm.
Maybe I will take a shot at recon, has anyone used the EO number in the Backdoor thread? The sheer number of...numbers listed confuses me

[Jetiquette]

I'm not sure why they would deny you with those scores. I have been getting pre-approval letters from them since my scores cleared 730, but the DC is further down the list on my next cards to get (after a mortgage). 

I would definitely call recon line. 

[Harvey26]

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@icednightpaper wrote:

Pulled the trigger on a DC due to both EX (777) and EQ (780) being pretty strong at the moment, with 8% util, 0/6 & 6/24 inquiries and last new account was 3/2020.

Instant Denial, two HPs when my R+ was one. Ouch.

While I'm not necessarily surprised due to the ongoing world issues, I'm a little sad because I felt like I could've been worth even a small SL. Do y'all think it's worth trying a backdoor number now, wait for the denial letter, or just wait 5 months and try again?

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I would recon! I was able to recon back in April with a supervisior and got approved for 5K and i had way more inqs due to fraud. 

[Anonymous]

ID recon something seems off with your stats no real reason for denial

[icednightpaper]

Update 1:

I called one recon number and the (seemingly pretty short) CSR told me to call back tomorrow when they have access to the denial letter. It was labor day so I should’ve seen that coming. >.>