Citi Recon Attempt

Anonymous · ‎11-25-2015

...was a no go for the DC card due to "Limited Credit History" - I know the Discover Double Cashback nullifies the Citi DC in a way, but it would have been a nice card to have grow with my other cards.

Anyone have any luck with a second recon attempt or shoud I just drop it?

Anonymous · ‎11-25-2015

Go for it!

If I may ask, what's your AAoA? Recent inquiries?

Anonymous · ‎11-25-2015

@Anonymous wrote:
...was a no go for the DC card due to "Limited Credit History" - I know the Discover Double Cashback nullifies the Citi DC in a way, but it would have been a nice card to have grow with my other cards.

Anyone have any luck with a second recon attempt or shoud I just drop it?

Trying the 2nd time doesn't hurt. But keep in mind waiting also improves your chances greatly in the future when you have a shown more history..

Anonymous · ‎11-28-2015

I did just what you did. I applied for the Citi Double Cash Back Card and was denied. I called the recon number and spoke to very nice girl. She looked over my CR and they pulled Equifax by the way, she said the reason for the denial was only my credit history. I only have 11 months on my oldest account on EQ. The CR itself is clean and only 6% utilization. She said that having less than a year of history was one of the criteria she could not override and approve.

Guess it's next year or so for me. Was going to call the EO Office but think waiting will weigh better in my favor later down the line.

Chase Freedom 1200 / Discover It 2250 / Capital One Secured $600 (1 auto CLI $300)/ Chase Slate 2500

TU = 737 Vantage / EQ = 697 / EX = 639 ( 1 baddie)

Cap One Fico = 735 Vantage

Disccver Fico = 710

Chase Slate EX = 634

Waiting for answers on AMEX BCE ( In Progress) and Cap One QS (Sent Docs for Verification)

NRB525 · ‎11-28-2015

@Anonymous wrote:
...was a no go for the DC card due to "Limited Credit History" - I know the Discover Double Cashback nullifies the Citi DC in a way, but it would have been a nice card to have grow with my other cards.

Anyone have any luck with a second recon attempt or shoud I just drop it?

With Citi, in my opinion, the best way to figure out if you should app for one of their cards is to use their preapproval/prequalifier tool. If that comes up with a single APR, then go for it, otherwise best to wait till the give you the single APR signal.

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

B335is · ‎11-28-2015

For best chances of getting a Citi denial overturned, reach out to their EO. The number is posted in the backdoor numbers and they e always been very friendly and helpful for me.

Anonymous · ‎11-30-2015

@B335is wrote:
For best chances of getting a Citi denial overturned, reach out to their EO. The number is posted in the backdoor numbers and they e always been very friendly and helpful for me.

I'll try the EO office and report back.

B335is · ‎11-30-2015

Goodluck!

Anonymous · ‎03-14-2016

How did that go ? I am in the same situation .