7-10 day message for Citi Premiere? - Update: Approved

[Anonymous]

So I applied for the Citi Thank u premier card yesterday evening and I got the “we’re still reviewing your application” message.

Now this is the first time I have gotten a message like this on an application. Normally, I get either instantly approved or instantly denied. I kinda thought I would get instantly denied for this anyways but I figured I’ll test my luck before I head to the garden.

I’ve had 9 new accounts this year alone so I certainly wasn’t super confident regardless. However, I only have 7 new accounts reporting as of now.

Utilization is below 9% with over 100k total credit. My last late was 3 years and 6 months ago (student loans). Citi pulled Transunion (714) and Experian (690). I think I have 4 recent inquiries in the last 6 months on Experian and Transunion.

What should I expect? I’ve called and they told me I have to wait a week for a decision which is strange to me. It almost makes me feel as if I actually have a chance of getting the card.

[Anonymous]

I think you still have a chance. It is my experience that Citi will usually outright deny if they see something they don’t like with your profile. It could be verification-related, or your profile could be borderline for approval.

When I got the 7-10 day message on my DC app a couple weeks ago, I had success by calling 1-800-695-5171.

Good luck!

[Anonymous]

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@Anonymous wrote:
I think you still have a chance. It is my experience that Citi will usually outright deny if they see something they don’t like with your profile. It could be verification-related, or your profile could be borderline for approval.

When I got the 7-10 day message on my DC app a couple weeks ago, I had success by calling 1-800-695-5171.

Good luck!

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Well I did call the application inquiry number and spoke to a senior specialist. He basically asked me to verify my info, and told me they would get back to me in a week from email or phone with decision. So maybe if I do get declined, the reason wouldn’t be because of new accounts/inquries? It seems like their system would had instantly denied me if that was the case but who knows.

so I guess I’ll just wait it out and see! This is the most drawn out approval/denial I have ever been through lol

[Anonymous]

My husband just applied for this, received that message then received an approval email within about 30 minutes iirc.

[Anonymous]

So still no decision has been made in my application after almost a week. Any ideas on what I should do? I called them yesterday and the lady said the UW specialist will try to get to my app by the end of the day (yesterday) but still nothing.

I wonder what’s taken them so long

[Gmood1]

I've received the same message at least twice from Citi. Both times I called in and was transferred to a UW.
Both times I received an approval.

I don't understand why it's taking them so long to get back to you.

[Anonymous]

Me either! The lady said that they have been backup up but I still don’t understand it either. I will call back later on today to see if I can be transferred to a UW specialist.

[FinStar]

OP, some applications require additional processing or verification plus if there's any spikes or increased volumes then that may be the case.

I had a similar situation last summer with an Expedia application. The whole process took about a week and a half.

Although, IME, due to the large exposure I have with Citi, a senior UW needed to sign off on the approval. I simply let it go through its paces (didn't need to check that often) and continued with daily living. I eventually received an email with the approval.

Bottom line, you'll hear from them sooner than later on the status of the application.

[Anonymous]

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@FinStar wrote:
OP, some applications require additional processing or verification plus if there's any spikes or increased volumes then that may be the case.

I had a similar situation last summer with an Expedia application. The whole process took about a week and a half.

Although, IME, due to the large exposure I have with Citi, a senior UW needed to sign off on the approval. I simply let it go through its paces (didn't need to check that often) and continued with daily living. I eventually received an email with the approval.

Bottom line, you'll hear from them sooner than later on the status of the application.

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Ok thanks. I’ll just wait it out and see what Happens from there.

[Anonymous]

Update!

literally a week later I got the email sayin I was approved for 4200! I wasn’t expecting to be approved but I’ll definitely take it lol