Citibank Double Cash - Denied

[Anonymous]

How did your bestbuy store card get converted to the visa? I’ve had the store card for 7 years, just recently asked for a huge CLI increase and got it but I’ve never been offered that upgrade. Also when you got it was it treated as a new card resetting your account age? 🤓

[imaximous]

---

@mrjerry wrote:
I’ve done some research and people state getting approved post 7 yr after discharge.

---

This reflects my personal experience. I was denied a DC at just under 7 yrs post BK7 in Feb 2018. Recon failed too because of BK.

A few months later (Aug 2018), I got auto-approved for a Costco Business card. 4 months after that (Dec 2018), another auto-approval for the AAdvantage Business card. No banking relationship with Citi. Burned them on store cards or maybe co-branded cards (I can't quite remember anymore). My scores have been in the mid 750's for a long time now. UTIL doesn't go above 5%, and I have a pretty decent income. Whenever I try to find prequals on their site, I still get nothing.

Of course, everything in credit is YEMV, but you're still under 7 yrs post BK. If recon fails (hope not), give it a shot again after the 7 yr mark.

[mrjerry]

Citibank credit analyst mentioned my BK for reason of denial. My ch7 BK is post 7 year now.

[mrjerry]

I’m calling the EO number from the backdoor number page.. is this correc? Or is there another number I should try?

Citi EO for the Citi Cards division: 605-331-1698 (Open at 9AM CST) ~popamode72

[sjt]

Is your Chp 13 completed and finalized. If not, that could be the reason for the denial.

[imaximous]

---

@mrjerry wrote:
Citibank credit analyst mentioned my BK for reason of denial. My ch13 BK is post 7.5 year now.

---

But in your first post, you said the BK was discharged in April 2012. 7 years would be this coming April 2019.

Also, I'm no expert in BKs but shouldn't a BK13 drop after 7 years or less with EE? If you're that close, I'd wait till it falls off and apply with a clean file.

[sjt]

---

@imaximous wrote:

---

@mrjerry wrote:
Citibank credit analyst mentioned my BK for reason of denial. My ch13 BK is post 7.5 year now.

---

But in your first post, you said the BK was discharged in April 2012. 7 years would be this coming April 2019.

Also, I'm no expert in BKs but shouldn't a BK13 drop after 7 years or less with EE? If you're that close, I'd wait till it falls off and apply with a clean file.

---

From my understanding Chp 13 falls off after 7 years if it has been completed and finalized. 

[Loquat]

---

@Anonymous wrote:

How did your bestbuy store card get converted to the visa? I’ve had the store card for 7 years, just recently asked for a huge CLI increase and got it but I’ve never been offered that upgrade. Also when you got it was it treated as a new card resetting your account age? 🤓

---

@Anonymous  I had the store card for a couple of years and then one day I received a notice that it was being changed over to the Visa.  I had a certain window to opt out if I didn't want it.  At the time my card was converted I believe the limit was $2k or $2.5k.   Received the new Best Buy Visa, took an HP to get it up to $10k and that's where it'll forever sit unless I get an auto CLI because I certaintly won't take another HP for it.

As for the status on my report...all the old history followed...no new account reported.  

[mrjerry]

Newbie error.. I have a Ch 7...

[imaximous]

---

@mrjerry wrote:
Newbie error.. I have a Ch 7...

---

Ok. And how about the timeline? 7 yrs would be this coming April still based on your first post.