I was denied for the Double Cash due to too many recent inquiries. My recent inquiries number: 3 in 1 day from EQ (app spree). Here's the kicker though. 2 of them were from PenFed who pulled my report twice in 1 day (no clue why they didn't use the report they already had) and the 3rd was from Citibank. I called in to recon and was told I need to call Equifax and have the inquiries removed then call them back to pull a new report. I declined to go through all of that for this card. Oh well, Citi. I'll stick with my Costco Card.
Gardening since 12/15/2019. Goal 12/15/2021
Inquiry removal is very YMMV. I had dozens removed in a dispute with no alert and I'd have a CRA refuse to remove 1 on a phone call. It's very YMMV and depends on the agent you get.
@Anonymous wrote:Did you get a letter from Citi stating the exact reasons for their denial?
How many inquiries are on each of your credit reports for the last 12 months? What are your current credit scores for each bureau?
I doubt the denial is only because of 3 inquiries (even if they occurred on the same date). The lending environment has changed since then, but I was approved for a Citi DC card with 7 inquiries on EX, 2 on EQ, and 9 on TU (Citi pulled both TU and EX). The approval also came during a month-long app spree where I added 5 new cards.
The exact reason was too many recent inquiries. When I talked to the second rep, I said "5 in 6 months" and she immediately said "that's a lot." They pulled EX and EQ for me.
Penfed would hp their own mothers thrice on same day ig given chance. Ive been hit with doubles, on same product and trying to get them removed or recoded is akin to making grass grow faster in winter