Is Zales BK friendly?

[Creditaddict]

While citi tends to be very non recon friendly especially when computer denies for inq's or bk as he stated that doesn't mean that the computer will 100% decline as others have posted about approvals for shell, mobil, Sears, best buy and this card.

[Anonymous]

This is why I'm going to apply for Lowes instead of HD (citi)…burned them in Bk in 10/2010 and denied me in june 2015 for double.  Citi said i have to wait for 7 yrs after Bk, recon was a no go.

[morgacj2004]

The UW made it sound like it is always an auto decline. Not sure why they would want to dissuade a customer from apping.

[Creditaddict]

You have a poster just a few up that said they were just approved with 2 year no so you already have answer that this new accounts person didn't know what they were talking about which seems pretty standard at banks!

[morgacj2004]

Oh well I guess you convinced me. I am curious.  I will apply and possibly waste a HP. I will  let you know the verdict.

[Creditaddict]

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@morgacj2004 wrote:

Oh well I guess you convinced me. I am curious.  I will apply and possibly waste a HP. I will  let you know the verdict.

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I'm not saying you should apply... many factors go into it.

[morgacj2004]

So here you go just as I thought. Oh well I can use the denial letter to get an updated bureau.

Thanks for applying

We regret to inform you that your application for a Zales Diamond Card® issued by Citibank, N.A. has been denied. We will contact you within 2 weeks by U.S. Mail regarding our decision.

[pizza1]

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@morgacj2004 wrote:

So here you go just as I thought. Oh well I can use the denial letter to get an updated bureau.

Thanks for applying

We regret to inform you that your application for a Zales Diamond Card® issued by Citibank, N.A. has been denied. We will contact you within 2 weeks by U.S. Mail regarding our decision.

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Ca didn't tell you to apply, and I'm sorry you got denied. There is no rhyme or reason to the Citi approvals with BK! It all depends on the persons overall profile. I'm gonna suggest you apply for the Diamond Elite Credit card...go to Samuels jewelers and find the CC to app. It's backed by Comenity, and should be an easy approval. I got instant online for $1k, called into credit the next business day and said that won't work, I asked for $5k, and got it!! 31 days later I did the auto lady phone trick, got another $500, another 31 days after that, got another $500. CL is now $6k...

On a side note, if you do apply and get the 7-10 day message, don't freak out! Comenity is verification happy these days, and 7-10 most always means it's a verification letter. There is no recon with comenity. 

[pizza1]

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@Anonymous wrote:

This is why I'm going to apply for Lowes instead of HD (citi)…burned them in Bk in 10/2010 and denied me in june 2015 for double.  Citi said i have to wait for 7 yrs after Bk, recon was a no go.

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See this is so strange. I was very lucky to get back in HD. They were IIB for me as in 2013 but only for like $500, not that that makes a difference. I also got shell as well same time. I tried for Zales and BEST buy and was denied those! So, it's weird on why ones they will and won't approve you for! I know it makes no difference, but CA was approved for Saks which a want Bad!!! But I keep getting denied, and CA wants Barneys bad!!! I have that card, but he gets denied every time! Can't explain how the computers work

[morgacj2004]

No worries I know that CA did not tell me to apply. I only did so cuz I was curious. Anyway Citi is weird. Can't get a Zales card but got a Sears card ? It's all good cuz I Just got a $3500 CLI on my Amazon card. Had to make something good happen today after the Zales fiasco. But I guarantee you I will be writing EO as soon as I get the decline letter. This is not over!