Citi Double Cash Approved After Calling In!

Anonymous · ‎07-02-2019

I've been lurking here for the past few months but I decided I need to finally create an account so I can make this post.

Here's a quick back story: In May of this year I applied for the DC card but was denied after they were ultimately unable to verify my address since I had moved 6 weeks prior. This was extremely frustrating since I wasn't denied because of my report but because by address couldn't be verified. This app in May put my EX report at 6 inquires (3 from auto refinance, 1 from new apartment, and 2 CC inquires) in 6 months and I was afraid that I would be denied if I didn't wait until September when 3 of those would be older than 6 months. I read that you can get them to pull EQ if denied for inquires so I wasn't TOO worried. I was advised to wait 2 months before applying again to give their system enough time to pull the right address.

Needless to say, it has been 2 months so I applied again today using a reservation code from a targeted mailer but did not get an immediate approval. I received an alert from Credit Karma that they pulled both EQ and EX which I am okay with since my EQ report looks way better as far as INQs go am planning to garden for 2 years so the INQs fall off. I was upset that I didn't get immediate approval, so I called the app inquiry line to see if there was any info on me that I could help verify. After asking a few questions and verifying my cell number with a code that was sent via text, the rep put me on hold and came back to tell me that I had been approved with a $5,000 starting limit! I was surprised at the SL since I have read that Citi can be a little stingy. The DC card is what I wanted as a daily driver and the last card I plan to apply for in the foreseeable future. Now I can forget about my credit for a while and start gardening!

TLDR: Was denied in May because they couldn't verify my address within their system. Applied today and was approved with a $5k SL.

Marz2002 · ‎07-02-2019

YOU...

CONGRATS @aeroazure on your Citi DoubleCash approval, the AWESOME SL, and Welcome to the Citi family and the FORUMS!!!

Anonymous · ‎07-02-2019

Thank you! You're just a stranger on the internet to me but it means a lot! I can finally focus on my future credit goals now that I have gotten this milestone out of the way.

Anonymous · ‎07-02-2019

Congrats on getting a goal card! Feels great doesn’t it? Enjoy it well

Marz2002 · ‎07-02-2019

@Anonymous wrote:
Thank you! You're just a stranger on the internet to me but it means a lot! I can finally focus on my future credit goals now that I have gotten this milestone out of the way.

You are Most Welcome, @aeroazure!

You have joined an AWESOME group of strangers who are here to give you advice and encouragement as you build your credit and achieve your Goals. Most all of us started our credit journey in situations much like yours. I started my journey with only a $300 Secured Card.

All the Best on Your Credit Journey!

TheFIGuy · ‎07-02-2019

1. CONGRATS!!
2. Address Verification could have been because your current CC's didn't update on your Credit Reports yet with the new address. Future reference when you move before you apply for a CC check and see if your new address is reported on all (3) Credit Reports.
3. CONGRATS AGIAN! welcome to the Forums!

Anonymous · ‎07-02-2019

Congrats on your Citi DC approval!

Anonymous · ‎07-03-2019

Congrats on your approval and welcome to the MyFico Fam! Lots of wonderful, helpful people on here.

Anonymous · ‎07-03-2019

@TheFIGuy wrote:
2. Address Verification could have been because your current CC's didn't update on your Credit Reports yet with the new address. Future reference when you move before you apply for a CC check and see if your new address is reported on all (3) Credit Reports.

My credit report had the correct address but the Citi rep told me that they use multiple sources and they all have to match. When I asked which sources she said it's proprietary to Citi. I'm just glad that everything went smoothly after waiting a couple months.

KLEXH25 · ‎07-03-2019

Congrats on the approval, and welcome! At least the SL made it worth the effort. 😊