Denied for Citi Custom Cash

[Anonymous]

Knew it was unlikely, but thought maybe I’d get lucky. Oh well. Here are the DPs if folks are interested.

Reasons for denial

• Too many accounts with balances
• Too many recently opened accounts
• Too few bank revolving accounts (???)

Other info

• Bureau pulled: EQ
• FICO Score (EQ): 810
• Inquiries (EQ): 0/30, 0/6, 1/12, 3/24
• New accounts: 1/30, 4/6, 6/12, 12/24
• I have one other Citi card, originally opened 11 years ago
• Probably didn’t help that I got the Venmo card yesterday and it’s already reporting as a new account

[RASULL12]

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@Anonymous wrote:

Knew it was unlikely, but thought maybe I’d get lucky. Oh well. Don’t know the exact reason yet, but here are some preliminary DPs for folks:

• New accounts: 1/30, 4/6, 6/12, 12/24
• Bureau pulled: I think they just pulled EQ as I didn’t get any notifications from EX or TU
• Inquiries (EQ): 0/30, 0/6, 1/12, 3/24
• I have one other Citi card, originally opened 11 years ago
• Probably didn’t help that I got the Venmo card yesterday and it’s already reporting as a new account

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Sorry about your denial. 

If you don't mind sharing, what is your EQ score? 

[Anonymous]

Oh yeah, knew I forgot something haha. According to the Citi mobile app, it's 810 as of May 25.

[RASULL12]

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@Anonymous wrote:

Oh yeah, knew I forgot something haha. According to the Citi mobile app, it's 810 as of May 25.

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Thanks for sharing. I have similar dp's and this is what I needed to hear before applying for another card that I probably won't get due to recent new accounts.  I need to stay in the garden myself for the next 12-24 months. 

[Anonymous]

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@Anonymous wrote:

Knew it was unlikely, but thought maybe I’d get lucky. Oh well. Here are the DPs if folks are interested.

Reasons for denial

• Too many accounts with balances
• Too many recently opened accounts
• Too few bank revolving accounts (???)

Other info

• Bureau pulled: EQ
• FICO Score (EQ): 810
• Inquiries (EQ): 0/30, 0/6, 1/12, 3/24
• New accounts: 1/30, 4/6, 6/12, 12/24
• I have one other Citi card, originally opened 11 years ago
• Probably didn’t help that I got the Venmo card yesterday and it’s already reporting as a new account

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I was denied, too. It said I would receive a letter in 7-10 days. Were you able to already see your denial reasons because you have a current CC with Citi? I only have a co-branded Macy's. 

[Anonymous]

I called the phone number on the decision page and, much to my surprise, the automated system listed off all the reasons I was denied + the credit bureau.

Not sure if I'm allowed the post the number, but happy to if the mods are okay with it.

[FinStar]

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@Anonymous wrote:

I called the phone number on the decision page and, much to my surprise, the automated system listed off all the reasons I was denied + the credit bureau.

Not sure if I'm allowed the post the number, but happy to if the mods are okay with it.

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It's perfectly ok to post the phone number ☑️

[Anonymous]

Thanks @FinStar!

@Anonymous The number I was given on the denial page was 1-866-441-7409.

[Anonymous]

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@Anonymous wrote:

I called the phone number on the decision page and, much to my surprise, the automated system listed off all the reasons I was denied + the credit bureau.

Not sure if I'm allowed the post the number, but happy to if the mods are okay with it.

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That would be much appreciated! I'm always eager to screen shot approvals, but I guess I was a little to eager to make a denial page disappear quickly. 

[Anonymous]

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@Anonymous wrote:

Thanks @FinStar!

@Anonymous The number I was given on the denial page was 1-866-441-7409.

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Thank you! Off to call...