Declined for Best Buy card

[AverageJoesCredit]

Op, Citi is notorious for not approving based on multiple inquiries in last 6 months. Youve done great rebuilding your credit. Dont take the rejection so personally, we all fall victim to a non approval we felt we were qualified for at some point.

Just a heads up, please be careful on certain things you post and their language its a quick way to get your post edited by a moderator. This is a family friendly zone lol, i understand your upset but we have to be a little more aware of how we post that disappointment.

Welcome to the forum by the way

[AverageJoesCredit]

Lockheart, what is the 8/65 rule you refer to?

[peghede]

With 771 fico you can do same serious damage,ps.best buy card is not all that , i have the visa i use it every 11 month for 5 bucks  so they don't close it,that's all.i hate mine hope next jan to close it.

[Anonymous]

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@AverageJoesCredit wrote:
Lockheart, what is the 8/65 rule you refer to?

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1 app per 8 days and 2 apps per 65 days. I would hope that they are smart enough to not HP over the cap, so I wonder if OP checked his CR's yet.

[bigpoppa09]

U got denied because u apped based off of fako scores CK scores aren't worth crap they just useful for monitoring accounts Citibank is more picky once u get your fico scores u can try Walmart Sync is easier if u wan't that computer and printer.

[AverageJoesCredit]

Thanks GhS Yeah i heard of the 8 day span , didnt know about the 65 days one though. New data point learned

[CreditInspired]

Just a thought -- was any Citi products included in your BK 15 years ago?

[Bandit5160]

I'm pretty sure there was.  But 15 years is a long time.  People change.

[peghede]

There's other Credit unions ,banks there who wants your business,no need to go back on your knees back to the lenders you already won when u did Bk.

ps.just a thought don't say "atomic" on u applications (u can say solar power plant) last thing u want is Department of Homeland Security knocking on u door.lol

[Bandit5160]

I got my rejection letter today.  It simply said I had too many recent inquiries.  It was the only reason they gave for turning me down.  I guess I will wait a while then apply again.  There are people will a hell of a lot more credit than me out there though so I find the whole thing silly.  But it's their rules I have to go by so I'll wait about a year then reapply.