Citi Premier- 757 Score Rejected

[Anonymous]

Denial wasn’t because of income.

[Gmood1]

Let your spend report naturally unless over 29% utilization.
I'm betting 180 days after the last app, you'll get what you want from Citi.

IMHO, building payment history is more important than building scores.

[Anonymous]

Okay I will end up trying that. I was told by someone that 0% utilization is the best.

[Anonymous]

I actually got declined earlier with the Venture card for the same eact reason. This was when the card had the 75k points promo.

[CreditInspired]

@caardvark wrote:
you bumped a thread after 20 minutes? Patience grasshopper
—————-
I never knew what “bump” meant. 🙄😂
Thank you @caardvark

[sjt]

I would call and find out the exact reason and request a recon. 

[KDKobes]

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@Anonymous wrote:

I tend to use most of my cards for everything such as paying my bills. There is a card that I just leave in my drawer. I wonder if that is the problem is that I tend to pay off my bills before it post. 

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That would be my guess. Always showing $0 balance is essentially no history & would probably be the reasoning behind that response. As long as your balances stay below 30% to show usage you should be fine.

[msm859]

Well I would have to say the one thing that pops out to me on your stats is why after 20 years you only have a total credit of $36k? It could be income or could be a lack of "interest" in credit cards.  Citi may see it though as someone who is not going to make them much money with their card.

[Meanmchine]

Are you an AU on any of those 20 year old accounts? If so, this could be it as lenders can factor out AU accounts during the approval process

[Anonymous]

No I am not. What card should I go for considering my credit profile.