Citi Simplicity Recon

[Outdoorstech1]

I applied for a city simplicity card earlier in November. 670 FICO.  I was interested in the 0% for quite a long time. I was declined, received a letter in the mail stating it was because of delinquency on my report not enough history. (Have a Midland Credit collection) (have had credit for a long time, I'm 32)

I called the reconsideration line spoke to the lady she basically said they can't approve me until that M ark is off my credit report. I was disappointed. I said " it's interesting how American Express approved me in March of this year with that mark on my credit report and gave me a a $5000 limit I'm very happy with them. I'm sorry we can't do business even though I've had friends and family tell me what a great company you guys are. Have a good day" and hung up. Oh well.

[ojefferyo]

That's too bad OP, but not every lender will look at that "mark" the same way. Just try again once it's gone

[FinStar]

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@ojefferyo wrote:

That's too bad OP, but not every lender will look at that "mark" the same way. Just try again once it's gone

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Agree.  OP, just because one lender is willing to approve a tradeline with that "mark" on your profile doesn't mean others will.  Just how the game of credit works sometimes.  Citi just happens to be quirky, that's all.

[Anonymous]

If you really don't want to waste the HP, contact the Citbank EO as listed in the Backkdoor Number thread (that is, if you haven't done that already - you said recon which I'm not sure). A very kind lady in that department was able to get my application denial overturned for a AAdvantage Platinum Select card earlier this year, for an approval of $5K limit and 19.99% APR (not bad for me). It took a few days, but she called me to let me know it had been approved and my card was on the way.

I had a large number of INQ and one unpaid collection account (from 2011) on my report at the time.