Citi Won't Budge on Denial Decision!

[FinStar]

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@Brian_Earl_Spilner wrote:

Your inquiries stay on your report for 2 years, they just stop affecting your credit after 1 year.

I get this feeling from your posts that you're really worked up about this. My advice to you is to not get emotional over credit. It's just business and I've seen too many posts of people making bad decisions because they felt slighted or disrespected. Good luck.

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^^^ This OP.

Typically, once the EO hands out a decision by the UW or lending team, it's final.  In rare situations, they may overturn some decisions, but it really depends on the situation.  Citi might conflate this as a sign of desperation, plus the above members have already provided you pretty good collective advice.   By your own admission, you got greedy, yet there is no harm in waiting and let things age naturally so you can position the odds in your favor when you try again at some point.

[Jnbmom]

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@FinStar wrote:

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@Brian_Earl_Spilner wrote:

Your inquiries stay on your report for 2 years, they just stop affecting your credit after 1 year.

I get this feeling from your posts that you're really worked up about this. My advice to you is to not get emotional over credit. It's just business and I've seen too many posts of people making bad decisions because they felt slighted or disrespected. Good luck.

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^^^ This OP.

Typically, once the EO hands out a decision by the UW or lending team, it's final.  In rare situations, they may overturn some decisions, but it really depends on the situation.  Citi might conflate this as a sign of desperation, plus the above members have already provided you pretty good collective advice.   By your own admission, you got greedy, yet there is no harm in waiting and let things age naturally so you can position the odds in your favor when you try again at some point.

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+1

This is the credit world, we all have gotten denials here and some have had success on recon some have not. Lenders deny for a variety of reasons, while some we may not agree with or even understand that's just how it goes in the credit world.

Sometimes you just have to accept a NO and move on, you seem to want to keeping pushing this and you may very well seem desperate to them. Just accept the denial, improve your credit file and move on.

[kdm31091]

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@Brian_Earl_Spilner wrote:

Your inquiries stay on your report for 2 years, they just stop affecting your credit after 1 year.

I get this feeling from your posts that you're really worked up about this. My advice to you is to not get emotional over credit. It's just business and I've seen too many posts of people making bad decisions because they felt slighted or disrespected. Good luck.

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This exactly. Just let it go, let your accounts age, and try again later. A denial is not the end of the world; we've all been there. It's a sign to just slow down and let things chill for awhile.

Citi is really not known for overturning decisions in general, and the fact that you've been refused 3 times means it is very unlikely the decision will change. I would just let this one go.

[Anonymous]

OP—While I can appreciate your tenacity, you do have to learn to accept the fact you won’t always get what you want. You have to let your current new accounts age, show a good pattern of responsible usage and payments, and then apply in the future. I would recommend no earlier than 6 months, more reasonably 1 year. Unfortunately too many people your age have never learned to accept defeat, regroup, learn, improve, and try again. Instead they are used to receiving at least a participation trophy. This is not meant as a knock on you, rather, this is the real world where credit is a privilege and not a right. Sometimes no matter how tenacious you are the answer will still be “no.” If you run this as a marathon and not a sprint and remember that each strike puts you closer to the next homerun, you’ll be fine. Best of luck and I look forward to reading of your successes and growth in the future.