I literally just tried the prequal link right now and it tells me the DC card, Simplicity card, and Premier Card..
Ok so that leads me back to the BK.
Your score is good for them but something they would only see on a HP is why you were denied.
The prequal is a SP and would'nt include the BK.
Again, just my opinion but you'll know when the letter comes.
should i call again after the holidays and speak to another Credit Analyst ?
It certainly can't hurt.
You can also call the EO's office and see what they say. They can have UW review it again.
Best of Luck!!!
Don’t feel bad about it. Lenders/banks are weird LOL. BofA is like that for me. No matter what they refuse to let me in, whereas Citi let me have my DC at a time when I should have been denied hands-down.
For what it's worth OP, my BK13 is still alive and well on my EQ report which is the only report Citi ever pulls for me. Even with it being on my report I've been approved for the Best Buy store card turned Best Buy Visa, Double Cash, AAdvantage, Simplicity, Diamond Preferred, and Citi Premier. Limits range from lowest being $7.3k on Double Cash to $19.9k on AAdavantage...the rest fall somwehere in between. I just mentioned in another post that today I actually when in and hit the button on all except Best Buy (that one is always an HP) and was given $1k each across them all.
As far as approvals, had to call in once for verification (AAdvantage), the Best Buy was approved in store, and the others were instant approvals. I've never had issues with Citi and I even burned them in my BK13 with a Home Depot card. Also want to note that I have NO banking relationship with them either.
Definitely consider myself lucky...
OP- Did they tell you the reason for denial?