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Is this a No? (Citi Secured Card)

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Regular Contributor

Is this a No? (Citi Secured Card)

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Starting Score: <600 & No Score 2/2011
Current Score EQ : 726
Current Score (TU Walmart): 676
Goal Score: 750


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Message 1 of 9
8 REPLIES 8
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Community Leader
Mega Contributor

Re: Is this a No? (Citi Secured Card)

Not mecessarily. They may just want to verify you via letter.
Message 2 of 9
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Frequent Contributor

Re: Is this a No? (Citi Secured Card)

No, definitely not. This is exactly what happened with my application in September of last year. Treat them right, pay your bill on time and in full, and you'll be in an entirely different situation next year this time!

In order of use: Chase Sapphire Preferred VS | BofA/ML (Merrill+ VS, Cash Rewards VS) | AmEx Gold | Citi | Barclays | Discover | NFCU

TU 704, EX 700, EQ 676 (11/30/2017)
Message 3 of 9
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Regular Contributor

Re: Is this a No? (Citi Secured Card)

So this is standard process? If denied would there have been a more of non-cryptic message.....Such as "We regret to inform you....." Lol! I dont like being in limbo.


Starting Score: <600 & No Score 2/2011
Current Score EQ : 726
Current Score (TU Walmart): 676
Goal Score: 750


Take the FICO Fitness Challenge
Message 4 of 9
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Established Contributor

Re: Is this a No? (Citi Secured Card)

Takes about a week for their secured decision. If they pull the money, you are approved
Message 5 of 9
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Valued Contributor

Re: Is this a No? (Citi Secured Card)

Yep....just wait and see if they take the money out of your account......I have seen some take a week to two to get approved!

Message 6 of 9
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Regular Contributor

Re: Is this a No? (Citi Secured Card)

I received another email stating further verification was needed and to call. Not two minutes after opening the email a Citi rep called to very income and housing payment. He ended the call stating the secured department will now review my application.

Starting Score: <600 & No Score 2/2011
Current Score EQ : 726
Current Score (TU Walmart): 676
Goal Score: 750


Take the FICO Fitness Challenge
Message 7 of 9
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Frequent Contributor

Re: Is this a No? (Citi Secured Card)


@buildingitbackup wrote:

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Not necessarily. I recieved the same message. It took almost a week, but citi sent out a letter for me to call and verify my identity. Once I did that, I was approved. Try giving them a call to follow up .  Good Luck!

Scores 8/25/2017~ TU: 753 / EXP: 742 / EQ: 726
Goal: 770's or higher by end of 2017
Message 8 of 9
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Established Member

Re: Is this a No? (Citi Secured Card)

If they do not pull your money within a day or two from the call verification, more than likely you are denied. I have no idea why they are do difficult.
Message 9 of 9
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