Citi Simplicity- Furious!

kwinks · ‎01-09-2016

So I need to do a BT, applied for Slate and Simplicity since they have best offers right.

Well I got a flat out denial from Citi, when I called them to see why they said it was because I had more than 1 inquiry in past 5 days....are you serious!??!! I spoke with a supervisor and she said there was nothing she could do, even though I have good credit and that is my only inquiry on my CR...this is their policy. So if I had applied for the Citi before the Chase card then I would have been approved. it just seems so ridiculous to me. Don't most people going on Apping sprees so that the inquiries can age together!!??

So now I have a HP for a card I could have easily been approved for, but wasnt because of 1 inquiry.

She said I could try and apply again in 60 days...NO THANK YOU!

Imperfectfuture · ‎01-09-2016

Lucky then, I apped for DP first, then quicksilver (denied with no HPs), and miffed, applied for AARP. I used a mail invitation for the citi DP, and my AARP membership number on the Chase app.

Signature needs updating

ddemari · ‎01-09-2016

Interesting to know. Sorry you had to find out the hard way. In not a fan of citi, they seem to be unwilling to work with a lot of people.

theeurotuner · ‎01-09-2016

Had the same experience. The only reason they provided on the decline was too many recent inquiries.

Don't worry about it! There are a lot of great BT offers out there right now. Even Amex is getting onboard with 15 months on the everyday.

Amex BCP- 1k, Amex EDP - 15k, Amex PRG, Barclays Ring - 10k, Barclays Arrival Plus World Elite - 12k, Chase Freedom - 5k, Discover it - 15k, Discover Escape: 17k, USAA World MasterCard: 10k, Walmart - 7,500, P.C. Richards - 5k, Lowes - 9k, Bank Of America 1 2 3 Cash - 15K, Amazon - 7,500K ~~~ Fico - TU-759, EQ-720, EX-751

puckster23 · ‎01-09-2016

Things like this make me hate Citi. My 2nd worst company (BofA is my first). When offered the Citi Costco card, after the Amex one dies, my Mom and I will not accept it. Rather go with Navy Fed Go Rewards instead. Citi is horrible......

Current Scores - EX-754, EQ-716, TU-751 Cards - Amex BCP(13800), Amex PRG, Amex Everyday(5000), Discover IT(3000), Navy Fed Go Rewards(11800), Cap One Sony Card(4000), Chase Freedom(5000), Chase Slate(5000)

Imperfectfuture · ‎01-09-2016

@puckster23 wrote:
Things like this make me hate Citi. My 2nd worst company (BofA is my first). When offered the Citi Costco card, after the Amex one dies, my Mom and I will not accept it. Rather go with Navy Fed Go Rewards instead. Citi is horrible......

It is all in the eye of the holder. Cap one is not my fave at the moment. Some of us can not join NFCU.

Signature needs updating

willwar14 · ‎01-09-2016

i'd call the EO and see if you can get this overturned!

CH7 FILED: 08/18/2022, DC: 01/23/2023

azguy13 · ‎01-09-2016

I'm sorry this happened to you OP. I personally am not a fan of Citi and this just adds to my list. Although, this is the first time I have heard of this happening.

Gmood1 · ‎01-10-2016

Yup..you're not missing out on anything special.
The only thing my Citi card is good for is the SD. Lol

Folks get sucked into that 0% BT. A good portion of us end up with toy limits any way if approved. There are better BT cards available if you look at CUs. Higher limits and better long term APRs with no transfer fee.

Mattopotamus · ‎01-10-2016

i believe citi requires 8 days between inquiries. A lot of these companies have ridiculous rules.