As the title states I was denied and I even had the nerve to try a recon. The lady I spoke with was very pleasant and said my score was great but I had way too many inq's especially in the last 2 years. A lot of them in the last 2 years are from my truck shopping but either way I do have quite a few inq's.
She did tell me to try again in 3 months but I'm thinking 6 minimum and 10 would possibly yeild an approval if I try again before a year. Any better ideas?
@Anonymous wrote:Think Citi wants you to be 0 inqs for past 6 months
12 months garden would be good
Yeah that's what I'm leaning towards, I'd like to be well under 5/24 because chase has a Marriott card I've been eyeing for a while and of course the premier is on radar.
@addicted_to_credit wrote:As the title states I was denied and I even had the nerve to try a recon. The lady I spoke with was very pleasant and said my score was great but I had way too many inq's especially in the last 2 years. A lot of them in the last 2 years are from my truck shopping but either way I do have quite a few inq's.
She did tell me to try again in 3 months but I'm thinking 6 minimum and 10 would possibly yeild an approval if I try again before a year. Any better ideas?
Sorry to read. This is one reason why i think scores dont really matter and are overrated. Without really good income or as in this case where a lender will look at reasons like credit seeking to decide ones fate instead of seeing them as a good risk by score, sometimes its a crapshoot
@addicted_to_credit, Sorry for your Citi Premier denial, Welcome to The Garden
Additional Citi DP's (Thanks to @Anonymous 
)
Citi has a 6/6 rule for inquiries - no more than 6 in 6 months. Citi has a no more than 1 Citi cards will be approved in 8 days and a no more than 2 in 65 rule too.
@M_Smart007 wrote:@addicted_to_credit, Sorry for your Citi Premier denial, Welcome to The Garden
Additional Citi DP's (Thanks to @Anonymous
Citi has a 6/6 rule for inquiries - no more than 6 in 6 months. Citi has a no more than 1 Citi cards will be approved in 8 days and a no more than 2 in 65 rule too.
Yep, looks like it was the 6/6 rule applied here. The agent's 3 month suggestion would definitely clear up the 6/6.
I see this is just the EX INQs. Citi is known to double pull so you might want to make sure each bureau is under 6/6.
@Anonymous The only HP hit I've taken on EQ with citi is for the retail side - the Home Depot and tractor supply cards. They've only pulled exp as far as what I'm currently wanting. There could be SP's I suppose.... I've combed over the other two and saw nothing.
@AverageJoesCredit wrote:
@addicted_to_credit wrote:As the title states I was denied and I even had the nerve to try a recon. The lady I spoke with was very pleasant and said my score was great but I had way too many inq's especially in the last 2 years. A lot of them in the last 2 years are from my truck shopping but either way I do have quite a few inq's.
She did tell me to try again in 3 months but I'm thinking 6 minimum and 10 would possibly yeild an approval if I try again before a year. Any better ideas?
Sorry to read. This is one reason why i think scores dont really matter and are overrated. Without really good income or as in this case where a lender will look at reasons like credit seeking to decide ones fate instead of seeing them as a good risk by score, sometimes its a crapshoot
@AverageJoesCredit i think scores are a starting point, there's a broader spectrum that banks look at especially nowadays.