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Citibank Double Cash - Denied

Community Leader
Super Contributor

Re: Citibank Double Cash - Denied

OP, considering it's a CH7, I would think reconsideration may be out of the question for now given the timeframe. You're welcome to roll the dice though.
Message 31 of 44
Member

Re: Citibank Double Cash - Denied

UPDATE: I called citi bank and they mentioned that when they pulled my Equifax, they couldn’t see any information and needed me to contact the bureau to get the credit file and email to them. I have done that yesterday, will update once I call in today or tomorrow.
Message 32 of 44
New Contributor

Re: Citibank Double Cash - Denied

Dang it! I wonder why they didn’t do that with mine 🤔 Also wondering if they would do it now with a soft pull or no pull. I do have a much lower interest rate than what is offered now since I got the account so long ago so maybe it wouldn’t be best. I asked about lowering my rate when I got my CLI and she said the rate offered now is much higher than what I already have.

774 Equifax, 770 TransUnion, 768 Experian

$18,000 Synchrony Care Credit
$14,000 Bank Of America World Cash Rewards MasterCard
$14,000 Platinum Visa Columbia Bank Auth User
$14,000 Best Buy Citi Card
$13,500 American Express Blue Cash Everyday
$9,500 Bank of America Visa
$8,500 Boeing Employees MasterCard Joint Account
$2,500 Boeing Employees CU Visa
Message 33 of 44
Established Member

Re: Citibank Double Cash - Denied

Citi bank do not approve any of their prime cards if you have BK7 or 13 on your reports. The computer will automatically reject your application after it run the report. Analyst can't do anything even when you call in. Info from my friend who works for Citi Bank.

Message 34 of 44
Established Contributor

Re: Citibank Double Cash - Denied


@keny01998 wrote:

Citi bank do not approve any of their prime cards if you have BK7 or 13 on your reports. The computer will automatically reject your application after it run the report. Analyst can't do anything even when you call in. Info from my friend who works for Citi Bank.


 

Citi Aadvantage WEMC though co-branded in my opinion is still one of their prime cards and I got approved for one 7 yr post BK7 and they’re IIB. 

 

 

https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Citi-AAdvantage-Finally-in-after-citi-IIB-BK7...

BK7 dc in 01/2011 with FICO8 in the 500s




UTIL 1% - 3%
HPs EX 4 EQ 4 TU 2
AAoA 5y2m






$150K+ Total Limits
Message 35 of 44
Established Contributor

Re: Citibank Double Cash - Denied


@JR_TX wrote:

@keny01998 wrote:

Citi bank do not approve any of their prime cards if you have BK7 or 13 on your reports. The computer will automatically reject your application after it run the report. Analyst can't do anything even when you call in. Info from my friend who works for Citi Bank.


 

Citi Aadvantage WEMC though co-branded in my opinion is still one of their prime cards and I got approved for one 7 yr post BK7 and they’re IIB. 

 

 

https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Citi-AAdvantage-Finally-in-after-citi-IIB-BK7...


Yes, I also got the AA and Costco cards after 7 yrs, but maybe that applies to their core cards like DC, Premier, Prestige, etc.?

The co-branded cards may have a lower UW standard since there's push from the partners to get people approved. Who knows... 

BofA | Barclays | Cap One | Chase | Citi | Discover | PenFed | Synchrony (Lowe's, Amazon & PayPal 2% MC) | US Bank
Message 36 of 44
Established Contributor

Re: Citibank Double Cash - Denied


@imaximous wrote:

@JR_TX wrote:

@keny01998 wrote:

Citi bank do not approve any of their prime cards if you have BK7 or 13 on your reports. The computer will automatically reject your application after it run the report. Analyst can't do anything even when you call in. Info from my friend who works for Citi Bank.


 

Citi Aadvantage WEMC though co-branded in my opinion is still one of their prime cards and I got approved for one 7 yr post BK7 and they’re IIB. 

 

 

https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Citi-AAdvantage-Finally-in-after-citi-IIB-BK7...


Yes, I also got the AA and Costco cards after 7 yrs, but maybe that applies to their core cards like DC, Premier, Prestige, etc.?

The co-branded cards may have a lower UW standard since there's push from the partners to get people approved. Who knows... 


 

You might have a point as far as the UW standard for their core or legacy cards in terms of approval though there’s not enough DP (if there’s even one) to substantiate it? Though just a little DP on the side, I just spoke with their CSR last Friday and asked about PC’ing my Aadvantage to DC and they told me to call back next month after my 1 yr card anniversary and they’d gladly do it. So easy route might be thru co-branded then PC after 1 year if such a case exist and the CSR not lying/mistaken?  

BK7 dc in 01/2011 with FICO8 in the 500s




UTIL 1% - 3%
HPs EX 4 EQ 4 TU 2
AAoA 5y2m






$150K+ Total Limits
Message 37 of 44
Community Leader
Super Contributor

Re: Citibank Double Cash - Denied

I believe i got approved for the Dc with my bk still showing, though to be fair was probably 9 years post.
Message 38 of 44
Valued Contributor

Re: Citibank Double Cash - Denied


@AverageJoesCredit wrote:
I believe i got approved for the Dc with my bk still showing, though to be fair was probably 9 years post.

Was Citi included?

American Express: Platinum Charge & Optima
Barclays: Arrival+ WEMC
Capital One: Savor WMC & Venture VS
Chase: Freedom U VS & CSR VI
Citibank: AAdvantage Platinum WEMC
Elan/US Bank: Fidelity VS
Credit Union: Rewards Visa
FICO 08: EX: 789 / EQ: 812 / TU: 791
Message 39 of 44
Established Contributor

Re: Citibank Double Cash - Denied

Have you thought about the PayPal MC? Unlike the DC it’s actually 2% (DC is lower than 2% because you only get 1% until you pay so you always have cash back owed to you if you use it for general spend) and Sync is far less picky than Citi. 

 

Not a card you want to carry a balance on with the high interest but if you want to churn 2% cash back, it’s great. It’s seriously weighing on my mind right now as I try to garden...


Starting Score: 647 TU/670 EX/680 EQ
Current Score:706 TU/671 EX/685 EQ
Goal Score:760/760/760

Take the myFICO Fitness Challenge


Scores 1/1/19:
Current scores:

Hover over my cards to see my limits!
Goal: Garden time until 2020!
Message 40 of 44