@cem13 wrote:
@soxfaininfl wrote:
Well I'm 0 for 2 at 2% flat cash credit cards as I got declined from Citi for the Double Cash back on 9/19 becuase of my BK (IIB). They didn't mention my previous relationship with them. Well, I'm going into the garden for the next year.
I was approved for Citi Double Cash this week for $9,300 SL. I, too, burned Citi in my BK7; D/C 6/2011. My TU score is about 720 and income is >150K. My utilization is about 15% total, although with a recent BT; one of my cards is at 93%.
Congratulations on getting back with Citi! It's just to soon to try to reestablish a relationship with them. I'm gonna garden for a year and work on getting my UTL down and get my scores into the 700's.
@FinStar wrote:
@soxfaininfl wrote:It's been 19 (apped on the 13th) days since my application, and I still haven't received a hard-pull which is odd. Is this normal with the Sync? I'm not compIaing lol it just seems odd. I also haven't received my decline letter yet.
The HP could be in TU or EX. Did you check both? Was PPMC ever IIB...or did you ever have an eBAY MC?
I would just wait for the letter (whenever it shows up) to determine what decision they reached.
I finally reveived a response yesterday via email which I thought was odd way to receive a decline for a credit card application. I oringinally applied on 12/13/19. I figuired that would be the case if I had an Amex account and was applying for another Amex card. I called in on 12/31/19 since I hadn't received a decline letter, and they said I would receive a letter via regular mail within 7-10 days. They would not tell me why I was declined over the phone. I reveiced the following email yesterday:
It instructed me to select the link and enter in the reference number and some of my personal info, and once I did I saw the following letter online.
I never had the PayPal 2% Mastercard. I only had the Paypal account where I could use Paypal online for my payment. Atleast I didn't get a HP. Oh well, I'll be gardening till next January 2021 and my UTL will be down below 5% at at time when I reapply.
@FinStar wrote:
Yes, SYNCB does send declined letters or other form of correspondence via email from time to time (similar to Capital One or Citi in that regard).
If they are referencing a prior PayPal relationship, this could be a previous PayPal MC (not necessarily the product you applied for), eBay MC, Bill Me Later/PayPal Credit, PayPal SmartConnect, etc.
At least now you can have some closure based on the letter you received.
Well I guess they didn't forgive me yet for my paypal/bill me later account IIB for 1,300. They did forgive me for my Amazon account which IIB for 2,900. I now have a 5K limit which is higher than what I had before my BK.
I thought they may have declined me for too many new accounts within the last 2 years or too many INQ's. I'm in the garden for the next year, so I will try then.
