Re: Citi Pre-Qualify Lowest APR and then DENY!

signaturecardmember · ‎12-23-2015

Hey guys,

I was pre-qualified for the AA card at lowest rate and also double cash, thank you and 2 others all at lowest rates. I wanted the 50k miles bonus so applied right after I applied for my PenFed CLI. I have no new inquiries or accounts since Jan. Denied instantly! Figuring I might have put wrong info in called the status line and declined for too many recent inquries?! I just helped my friend app for this card with 2 new accounts in the past 2 months, and a score around 700 and was instantly approved. I guess I will be calling the EO number? This will be my first card with Citi and disappointed to say the least.

Thanks.

Started: 4/14 Bank of America Signature $6k, 85% Utilization, 745 Fako
Currently: 6/18 Bank of America Signature $99.9k, Chase Slate $0, Chase Freedom Signature $2.5k, American Express Gold NSL, American Express Everyday $6k, Lowes GE $0 (From $35k), Discover IT $38.5k, Capital One Quicksilver $5k, Barclays US Airways $24k, DCU Platinum $30k, PenFed Promise $47k, Chase Freedom Unlimited Signature (From CSP) $50k, Chase AARP Signature $7.5k, American Express Blue Cash $7.5k, Citi American Airlines Platinum $10.5k, Capital One Venture Signature $30k, Chase Sapphire Preferred (From Reserve) $12k, Chase Ink Business Preferred $10k, Barclays Aviator Business $14k. Total Available Credit: Over $350k, Utilization 4%, AAoA 7 Years, TU Fico 799, EX Fico 727

Anonymous · ‎12-23-2015

AAdvantage underwriting is a bit inq sensitive but if you want to go with a bit higher end card from them, the Prestige is NOT inq sensitive at all.

OmarGB9 · ‎12-23-2015

Sometimes computer will auto deny for too many inquiries. Try calling recon and see if they'll overturn it.

Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:

Current FICO 8 scores:

Anonymous · ‎12-23-2015

@OmarGB9 wrote:
Sometimes computer will auto deny for too many inquiries. Try calling recon and see if they'll overturn it.

You do have a good chance at this but you'll need to contact the executive card support team in SD and ask them to resubmit your app internally for reconsideration.

NRB525 · ‎12-24-2015

OP, when you submitted the AAdvantage app, did you go through the Citi Prequalification tool pages, got the "Congrats you are preapproved for..." and then immediately clicked through that link to apply for the AAdvantage card?

or you got such a preapproval page, left it, apped PenFed, then came back some time later to a different Citi session to cold app the AAdvantage card without going through the prequalification steps?

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765

Imperfectfuture · ‎12-25-2015

@NRB525 wrote:
OP, when you submitted the AAdvantage app, did you go through the Citi Prequalification tool pages, got the "Congrats you are preapproved for..." and then immediately clicked through that link to apply for the AAdvantage card?

or you got such a preapproval page, left it, apped PenFed, then came back some time later to a different Citi session to cold app the AAdvantage card without going through the prequalification steps?

Interesting data point, I used the code from the mailer. It had my last name spelled wrong, but would not take the app without the misspelled name. They are fixing the card now!

Signature needs updating

signaturecardmember · ‎01-12-2016

Hey Guys,

Sorry to take a bit to get back with you. Got extremely busy closing out the year end. I took advice and called Citi EO and got a very helpful lady about a week ago. She tooks some notes and said she would call me back within a day or two. Two days later she called to tell me I was approved at hte best APR as I requested with a weird dollar amount lol THe funny thing was after I was denied I kept recieving mailers with otehr Citi cards at the best APR. She said it was simply my inquiries and not to be shy about calling again, everything else in my file looked great Now to deal with NASA on trying to get a PLOC lol

Thanks for everyones help!

Started: 4/14 Bank of America Signature $6k, 85% Utilization, 745 Fako
Currently: 6/18 Bank of America Signature $99.9k, Chase Slate $0, Chase Freedom Signature $2.5k, American Express Gold NSL, American Express Everyday $6k, Lowes GE $0 (From $35k), Discover IT $38.5k, Capital One Quicksilver $5k, Barclays US Airways $24k, DCU Platinum $30k, PenFed Promise $47k, Chase Freedom Unlimited Signature (From CSP) $50k, Chase AARP Signature $7.5k, American Express Blue Cash $7.5k, Citi American Airlines Platinum $10.5k, Capital One Venture Signature $30k, Chase Sapphire Preferred (From Reserve) $12k, Chase Ink Business Preferred $10k, Barclays Aviator Business $14k. Total Available Credit: Over $350k, Utilization 4%, AAoA 7 Years, TU Fico 799, EX Fico 727

Anonymous · ‎01-12-2016

@Anonymous wrote:
AAdvantage underwriting is a bit inq sensitive but if you want to go with a bit higher end card from them, the Prestige is NOT inq sensitive at all.

Just how not INQ sensitive is the Prestige ?

Anonymous · ‎01-12-2016

@signaturecardmember wrote:
Hey Guys,

Sorry to take a bit to get back with you. Got extremely busy closing out the year end. I took advice and called Citi EO and got a very helpful lady about a week ago. She tooks some notes and said she would call me back within a day or two. Two days later she called to tell me I was approved at hte best APR as I requested with a weird dollar amount lol THe funny thing was after I was denied I kept recieving mailers with otehr Citi cards at the best APR. She said it was simply my inquiries and not to be shy about calling again, everything else in my file looked great Now to deal with NASA on trying to get a PLOC lol

Thanks for everyones help!

Nice.. Enjoy it.

NRB525 · ‎01-12-2016

@Anonymous wrote:
@Anonymous wrote:
AAdvantage underwriting is a bit inq sensitive but if you want to go with a bit higher end card from them, the Prestige is NOT inq sensitive at all.
Just how not INQ sensitive is the Prestige ?

Well, you have to consider you will be paying them a big AF if approved. That allows them to gloss over a few INQ

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765

Citi Pre-Qualify Lowest APR and then DENY!

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Citi Pre-Qualify Lowest APR and then DENY!