Citi Diamond Preferred.....Pre-Qualified, Denied then what?

[Anonymous]

As a result of looking for a BT card, I managed to get a "pre-qualified for the Citi Diamond Preferred" through their site on 3/29. I went for it and I immediately got the "we are not able to approve your application" type of language and immediately closed the browser. 

My next option was to try for Chase Slate. I applied and was instantly approved for $1000. Knowing that my EX fico was 731, I decided to also pull a trigger on the AMEX Gold Delta and was also approved for $3,500.

Out of curiousity, I called Citi on 3/30 to find out why I was denied and if I could have a chance to recon. The rep verified my info and stated that my application was still under review. She stated that I would get a call back from Citi when the review was complete. Well, I decided to call back today to get my application ID so that I could check the app status online and to my surprise, the rep gave me my app ID and also mentioned that I had been approved on 3/31 for $4,000.

It went from Denied on 3/29 -> Under Review on 3/30 -> Approved on 3/31 and I never received any email nor any notification about the approval until I called. Weird but I won't complain. 

FYI - the online "pre-qualified" had the opt-out notice and a fixed APR of 19.99%.

[coldnmn]

Congrats! Thanks for sharing.

[gdale6]

Grats x3

[CreditMagic7]

Citi is known for upfront denials only to be overturned to an approval on recon. I been there n done that.


Congrats! on approvals and going mainstream!

[Anonymous]

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@CreditMagic7 wrote:
Citi is known for upfront denials only to be overturned to an approval on recon. I been there n done that.


Congrats! on approvals and going mainstream!

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I wonder what triggers them to change their mind especially when one doesn't call to recon.....

[Anonymous]

WOW! You hit a home run! Congrats on your many successes.

[alvon123]

congrats

[-Wade-]

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@Anonymous wrote:

As a result of looking for a BT card, I managed to get a "pre-qualified for the Citi Diamond Preferred" through their site on 3/29. I went for it and I immediately got the "we are not able to approve your application" type of language and immediately closed the browser. 

My next option was to try for Chase Slate. I applied and was instantly approved for $1000. Knowing that my EX fico was 731, I decided to also pull a trigger on the AMEX Gold Delta and was also approved for $3,500.

Out of curiousity, I called Citi on 3/30 to find out why I was denied and if I could have a chance to recon. The rep verified my info and stated that my application was still under review. She stated that I would get a call back from Citi when the review was complete. Well, I decided to call back today to get my application ID so that I could check the app status online and to my surprise, the rep gave me my app ID and also mentioned that I had been approved on 3/31 for $4,000.

It went from Denied on 3/29 -> Under Review on 3/30 -> Approved on 3/31 and I never received any email nor any notification about the approval until I called. Weird but I won't complain. 

FYI - the online "pre-qualified" had the opt-out notice and a fixed APR of 19.99%.

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Congrats on your approval

[CreditMagic7]

Citi is the single only lender for me that after 4 consecutive denials in a roll, turned everything completely around on recon for a CLI x3!

That spoke volumes! in my book.

[MsLadyRover]

Congratulations!