cancel
Showing results for 
Search instead for 
Did you mean: 

Citi, what they heck are you doing???

tag
Anonymous
Not applicable

Citi, what they heck are you doing???

I have 2 Citi cards now for about 1 1/2 yrs.  Just had some fraud on both cards!  Caught it in time before there was some serious damage.  

I app'd for HD and got approved for 15k with some verification over the phone since the fraud alert.  Before the HD app, like 2 1/2 weeks before, I app'd for the TYP card and got pending verification.  They pulled my EX report.  Then I called like they asked and verified everything I could but said why is there a fraud alert on my EX file!  So that meant they did another pull from EQ!  I explained and they said give them 24 hrs to be sure.  So now I check my reports and find they did yet another pull from TU!   Is this normal for Citi to do?  They're getting like Cap One.  So far, my EX & EQ scores are good, not sure yet on TU.  But was is really necessary to pull all 3?  And I'm still not sure they believe it's me and I will get the card.  Anyone have a similar experience?  Feeling invaded.  Smiley Mad

Message 1 of 8
7 REPLIES 7
Anonymous
Not applicable

Re: Citi, what they heck are you doing???

Well found out just now was approved for 4.8k.  Not so great.  Can I recon this or should I leave them alone?  I am on a first name basis with senior analyst right now with the verification since the fraud!  When I called to ask how the app was going she even asked me how my landscaping was going!!!  Go for a higher limit or leave it alone for 6 months?  Thx  

Message 2 of 8
kdm31091
Super Contributor

Re: Citi, what they heck are you doing???

With the multiple pulls, difficult approval/verification headaches, I'd probably advise just leaving it alone for awhile.

Message 3 of 8
Anonymous
Not applicable

Re: Citi, what they heck are you doing???

Thought so.  Thanks for your input. Smiley Wink

Message 4 of 8
Anonymous
Not applicable

Re: Citi, what they heck are you doing???

I think the opposite lol. You're already this deep. May as well so the HPs fall off together. It's like swimming half across a lake: turn around and give up or just swim the other half? I say go for it.
Message 5 of 8
Anonymous
Not applicable

Re: Citi, what they heck are you doing???

I see your point!  Smiley Wink  I guess she can say no.  Not actually hit me over the head for calling her again.  Smiley Surprised  I have to get rid of this chicken in me.  Only way to do that is confront it head on.  

Message 6 of 8
Anonymous
Not applicable

Re: Citi, what they heck are you doing???


@Anonymous wrote:

Well found out just now was approved for 4.8k.  Not so great.  Can I recon this or should I leave them alone?  I am on a first name basis with senior analyst right now with the verification since the fraud!  When I called to ask how the app was going she even asked me how my landscaping was going!!!  Go for a higher limit or leave it alone for 6 months?  Thx  


Congrats on the approval Sandi!! Sorry it took a triple pull to get it, but at least you got it - it would've really sucked if you went through all that and it was denied Smiley LOL

Message 7 of 8
RonM21
Valued Contributor

Re: Citi, what they heck are you doing???

Congrats on the approval OP, but did you go ahead an call again or just say never mind it?


Total CL: $321.7kUTL: 2%AAoA: 7.0yrsBaddies: 0Other: Lease, Loan, *No Mortgage, All Inq's from Jun '20 Car Shopping

BoA-55k | NFCU-45k | AMEX-42k | DISC-40.6k | PENFED-38.4k | LOWES-35k | ALLIANT-25k | CITI-15.7k | BARCLAYS-15k | CHASE-10k

Message 8 of 8
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.