Citi Simplicity- Furious!

[Anonymous]

That is odd. I appd for venture and venture one the day before apping for citi DC, and was approved (albeit toy limit). Is it a Simplicity specific thing?

[CreditCuriosity]

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@Mattopotamus wrote:

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

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@8 days between citi applications only.. @OP worth a recon to EO if you scores are truely good and your utiization and credit profile supports it

[kwinks]

My scores range from 710-730. My utilization is around 25% hence why I wanted to do a BT and pay everything down quicker without interest

The supervisor I spoke with said that any more looking into the denial or reconning would require another HP. I dont know if I'm willing to risk it. This is the first denial I have ever gotten so it's really annoying me. I will never ever ever again do business with Citi. Everything about this is absurd

[Anonymous514]

You're not missing much I hate mine it's only good for BT that's it. I don't ever have to use any of its no fee options wish I would've just originally applied for a DC card.

[Anonymous]

I had the same thing happen on my app spree. I did the Citi the next day so they saw 2 others. I called and they didn't want to hear it. How possessive of them.

They offered for me to apply again in 6 months.

NAH

[Anonymous]

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[Anonymous]

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@kwinks wrote:

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!

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I would imagine there are other reasons but that one was the easiest to hang on to.

As folks commonly ask here: what are your stats, AAoA, income, etc?

[pipeguy]

Citi and BoA will HP you for anything, I know from experience. 

Funny thing about Citi, they back my HD card $25k CL, and have approved me for Wawa, Brooks Brothers, Exxon/Mobile, BP and Bestbuy with anywhere from $1k to $10k limits (I ended up closing all of them other than HD, never missed a payment or even been above 30% utility - usually PIF, but they won't approve me for a Citi labeled card. I understand that they "private label" cards are a different division, but seriously the right hand never talks to the left at Citi. (scores 767, 800, 737, income 6 figures). Always a HP.

As far as BoA doing HP's (I know slightly off thread) in 2013 I was approved for their rewards card with a $2k SL, asked right away for a higher limit, always PIF, never late, every 6 months after I requested a HP, every time turned down. At 2 years on my 4th CLI request I was declined once again with the reason "too many inquiries" to which I answered  well 5 of those are yours, please close the card - total waste of time considering almost all my other cards were 5 figure limits.

In reality, Citi really doesn't have any "branded" card that I want or need, so it's no loss.. 

[Scupra]

Thread is 8 months old now guys and gals  Hopefully OP has cooled off by now