@rgd51 wrote:
@CreditCuriosity wrote:No clue what Citi current inquiry rules are, but citi retail denied me a Best Buy card on their retail side although certainly more inquiries than yourself, but still I think like 5 or 6 in the last year and some of those were mortage inquiries on one CRA and scores were well in the 800's as well. Most lenders are more new account sensitive where-as Citi and believe US Bank are more inquiry sensitive. Crazy that 1 could get you a denial you can always go the EO route to have them review your case although might cost another HP.
Probably a rule like 1 inquiry in the last 30 or 90 days or something got the auto denial without inside knowledge we will never know as that DOC is one DP, but doesn't apply to you it appears and likely other sub factors that played out. Economy isn't doing so hot right now so the lending market is always evolving to mitigate risks, etc.
When I applied for it they still had the SUB but now that they've gotten rid of the SUB the card isn't worth getting for me since most my spend goes on cards that get me higher rates in those categories so it would take many years to come out ahead on a 2% card with no SUB compared to a 1.5% card with a $200 SUB. Why are citi and us bank so inquiry sensitive?
OP that inquiry, was that for Citi card or other ones. Interesting, I wasn't outright denied(7-10 day message, I prefer getting the result fast, whether approved or denied 
)
@Anonymous wrote:
@rgd51 wrote:
@CreditCuriosity wrote:No clue what Citi current inquiry rules are, but citi retail denied me a Best Buy card on their retail side although certainly more inquiries than yourself, but still I think like 5 or 6 in the last year and some of those were mortage inquiries on one CRA and scores were well in the 800's as well. Most lenders are more new account sensitive where-as Citi and believe US Bank are more inquiry sensitive. Crazy that 1 could get you a denial you can always go the EO route to have them review your case although might cost another HP.
Probably a rule like 1 inquiry in the last 30 or 90 days or something got the auto denial without inside knowledge we will never know as that DOC is one DP, but doesn't apply to you it appears and likely other sub factors that played out. Economy isn't doing so hot right now so the lending market is always evolving to mitigate risks, etc.
When I applied for it they still had the SUB but now that they've gotten rid of the SUB the card isn't worth getting for me since most my spend goes on cards that get me higher rates in those categories so it would take many years to come out ahead on a 2% card with no SUB compared to a 1.5% card with a $200 SUB. Why are citi and us bank so inquiry sensitive?
OP that inquiry, was that for Citi card or other ones. Interesting, I wasn't outright denied(7-10 day message, I prefer getting the result fast, whether approved or denied
The inquiry the previous day was for an Amex card. I've never seen a lender deny someone for 1 inquiry. I did open a best buy card with citi a couple years back but I closed it very soon after since I didn't like the card. Maybe they think I'm SUB chasing potentially.
@rgd51 wrote:
@Anonymous wrote:
@rgd51 wrote:
@CreditCuriosity wrote:No clue what Citi current inquiry rules are, but citi retail denied me a Best Buy card on their retail side although certainly more inquiries than yourself, but still I think like 5 or 6 in the last year and some of those were mortage inquiries on one CRA and scores were well in the 800's as well. Most lenders are more new account sensitive where-as Citi and believe US Bank are more inquiry sensitive. Crazy that 1 could get you a denial you can always go the EO route to have them review your case although might cost another HP.
Probably a rule like 1 inquiry in the last 30 or 90 days or something got the auto denial without inside knowledge we will never know as that DOC is one DP, but doesn't apply to you it appears and likely other sub factors that played out. Economy isn't doing so hot right now so the lending market is always evolving to mitigate risks, etc.
When I applied for it they still had the SUB but now that they've gotten rid of the SUB the card isn't worth getting for me since most my spend goes on cards that get me higher rates in those categories so it would take many years to come out ahead on a 2% card with no SUB compared to a 1.5% card with a $200 SUB. Why are citi and us bank so inquiry sensitive?
OP that inquiry, was that for Citi card or other ones. Interesting, I wasn't outright denied(7-10 day message, I prefer getting the result fast, whether approved or denied
The inquiry the previous day was for an Amex card. I've never seen a lender deny someone for 1 inquiry. I did open a best buy card with citi a couple years back but I closed it very soon after since I didn't like the card. Maybe they think I'm SUB chasing potentially.
no if was on same CRA was likely the inquiry one day prior. As mentioned don't know their current rules other then possibly the 3/6 rule mentioned, but that one doesnt apply to you.