I'm just wasting HP's on Citi.

[CreditInspired]

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@ridgebackpilot wrote:

I don't understand Citi either. I have their AAdvantage Platinum Select MC, but have been denied twice for the Costco VISA card. 

The last denial letter mentioned only "Your credit report shows your balances on your revolving accounts are too high in relation to those credit lines." This despite my utilization is no more than 30 percent across the board.

I'm going to try and recon the latest denial with the Executive Office, Citicards Division. I shop a lot at Costco, but knowing Citi I don't hold out much hope for a positive outcome here...

Any advice would be welcome!

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Just a couple of minor suggestions:

1.  If you really mean 30%, IMHO, I would get it to 29% -- just to put you in the <30% bucket. And, then, contiuously work on getting it lower.

2.  Does across the board mean more than one card is reporting a balance? If yes, IMHO, I would try to get that to only 1 card reporting a balance, and preferably at <9%.

GL to you.

[Anonymous]

Not to sure on this i applied today for diamond was given 7 to 10 days message, called in verified address was approved 5k limit however completely new to credit i have 23 accountslike 20 or 18 inquiries amd was approved

[Anonymous]

I started the process of asking for a CLI on one of my two Citi cards.  The wording was as if they wanted to perform a HP before making a decision.  I clicked off the page.  Next day, I had an email telling me they could not approve my request.  I never hit send or completed the process.  I thought that was kinda arrogant.

[FinStar]

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@Anonymous wrote:

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@Anonymous wrote:

I believe Citi won't approve with 6 or more inquires in 6 months.

Might try recon.

Also I got denied by Citi for a 26 year old chargeoff (long memory I guess) but overturned on recon.

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I had 10 in 6 months and was approved.  

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When I was approved for the Costco Visa over a year and a half ago I had several inquiries for sure.  I was approved today for the Citi AAdvantage Platinum Select card and the EX inquiries weren't an issue (and I have lots of inquiries).  So, there's always something else at work with an individual's overall profile that may hinder an approval, all other things considered.