@Remedios wrote:
@GApeachy wrote:
@Remedios wrote:
Also, when it comes to HP removal, CRAs cannot and won't do anything.Why do you say that? Last week Experian removed 2 of 3 of my hp's.
I day that because CRAs cannot remove HPs independently from lender.
If a lender instructs them to do so due to error, it gets removed.
This actually happens more often than you think. I've had them removed by the CRA several times over the years.
Gardening since 12/15/2019. Goal 12/15/2021
@randomguy1 wrote:What's your monthly spend you would put on the Citibank Double Cash?
A 1.5% card such as the Chase Freedom Unlimited would possibly yield a higher return with the easy $200 for $500 spend SUB. I would check the prequalification tool they have. Additionally, be aware of their "5/24 rule" (google Chase 5/24).
I'm well past the 5/24 which is why I didn't consider the Chase. They have been hard to deal with over the years.
@Anonymous wrote:Citi has a 6 inquiries in 6 months rule. They won't recon when they deny for that reason.
Then I guess I'm the exception that proves the rule. The CBNA inquiry was my 7th in less than 6 months but I was still approved for the Citi Double Cash card. There's actually another inquiry within the 6-month period the screen shot didn't capture.
@Anonymous wrote:
@Anonymous wrote:Citi has a 6 inquiries in 6 months rule. They won't recon when they deny for that reason.
Then I guess I'm the exception that proves the rule. The CBNA inquiry was my 7th in less than 6 months but I was still approved for the Citi Double Cash card. There's actually another inquiry within the 6-month period the screen shot didn't capture.
Yeah, I'm thinking shenanigans on this myself. The rep also told me that the limit on inquiries varies per card. I don't know who to believe. I'm going to try to get them removed and try back...MAYBE.
@Anonymous wrote:
@Anonymous wrote:Citi has a 6 inquiries in 6 months rule. They won't recon when they deny for that reason.
Then I guess I'm the exception that proves the rule. The CBNA inquiry was my 7th in less than 6 months but I was still approved for the Citi Double Cash card. There's actually another inquiry within the 6-month period the screen shot didn't capture.
These rules are always profile dependent, just like Chase, but if they deny you for inquiries they won't recon. I dealt with that when I went for the Double Cash.