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Citibank Double Cash - Denied

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Established Member

Citibank Double Cash - Denied

First off, happy New Years everyone. Hope everyone has a prosperous 2019.

My Ch 7 BK was discharged in April of 2012. I applied for the Citibank DC card a few days ago and got a denied automatically. My scores are all 700+ with cards from barclays, Bank of America, target, capital one, mercury. called in the backdoor number and they still denied me. Any help would be greatly appreciated.
Message 1 of 44
43 REPLIES 43
Community Leader
Senior Contributor

Re: Citibank Double Cash - Denied


@mrjerry wrote:
First off, happy New Years everyone. Hope everyone has a prosperous 2019.

My BK was discharged in April of 2012. I applied for the Citibank DC card a few days ago and got a denied automatically. My scores are all 700+ with cards from barclays, Bank of America, target, capital one, mercury. called in the backdoor number and they still denied me. Any help would be greatly appreciated.

Did you burn Citi or any of its affiliates in your BK?

EXP 753 TU 781 EQ 733
Message 2 of 44
Established Member

Re: Citibank Double Cash - Denied

No
Message 3 of 44
Super Contributor

Re: Citibank Double Cash - Denied

Isn’t Citi one of those lenders that is extremely unlikely to give you a card until your BK is off your report? Especially the DC?



01/2019:
10/2019:

Hover over my cards to see my limits!
Goal cards: Cash+, Freedom.
Message 4 of 44
Established Member

Re: Citibank Double Cash - Denied

I’ve done some research and people state getting approved post 7 yr after discharge.
Message 5 of 44
Valued Contributor

Re: Citibank Double Cash - Denied

Welcome to My Fico! welcomewave (1).gif

 

Sorry about the denial..

 

A few Qs: What is your current uti on your cards? How many inqs in the last 12 months? How many new cards in the last 6 months?

 

You'll get a letter and Citi will give their reason. Hopefully it's something that can be fixed sooner rather than later.

 

CHEERS




Message 6 of 44
Established Member

Re: Citibank Double Cash - Denied

My UTI is 6%. 3 inquiries last 12 months. 1 new card last 6 months.
Message 7 of 44
Valued Contributor

Re: Citibank Double Cash - Denied


@mrjerry wrote:
My UTI is 6%. 3 inquiries last 12 months. 1 new card last 6 months.

Wow.. 

I got nothing then.

Best guess is the BK but until you get the letter, there's no way to know for sure..

 

Sorry.  Did you by chance include any cobranded citi card in the BK? 

 

ETA: I think the DC is one of their top tier cards so tougher UW, Perhaps you should have started with a Simplicity or Costco Citi.

Did you try their prequal link? 




Message 8 of 44
Established Member

Re: Citibank Double Cash - Denied

No, i didnt burn any Cobranded Citibank companies. in my BK it was mainly Amex and Bank of America. 

Message 9 of 44
Established Member

Re: Citibank Double Cash - Denied

I literally just tried the prequal link right now and it tells me the DC card, Simplicity card, and Premier Card.. 

Message 10 of 44
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