Citi Simplicity Rejection

[ecxpa]

Citi is tough for some people even with good scores.  My scores are EQ 724. TU 766, Ex 765; income is north of 150k;  I'm in with BOA, Chase, BOA,  NFCU, NASA,  et al, util is 3-7%......it's hard to tell what they look for.  I do have a lot of inq......guess that is  why they have always denied me except for Macy's, HD, and a measly Exxon card.

[Vegas4Play]

How long ago did you burn them? Citi that is

[Anonymous]

Citi is very inquiry sensitive. I was recently approved for the Diamond Preferred and HHonors Reserve. BK13 from 2008 no longer appears on my reports or any negative information. Appiled for DP on 8/26/16 and HHonors on 9/9/16. I also heard that they prefer at least a 720 but I believe you could have made it with low inquiries. I had no inquiries with EX prior to my apps with Citi. Now I have two.