Hi, everyone.
My mom has been denied the Citibank Double Cash Rewards card for insufficient income. Should I have her recon.?
Here is a breakdown of her credit profile:
Chase Card
Opened: 12/12/94
Credit limit: $12/$25,000
Credit Card
Chase Card
Opened: 3/02/1998
Credit limit: $122/$9,000
Credit Card
Syncb/JCPenny
Opened: 12/4/2004
Credit limit: $0/$13,000
Charge Account
Syncb/JCPenney
Opened: 01/19/2014
Credit limit: $2/10,000
Credit Card
TD BANK USA/Target Credit
Opened: 02/02/14
Credit limit: $77/$9,500
Credit Card
Sears/CBNA
Opened: 5/13/2013
Credit limit: $200/$10,780
Credit Card
Income: $27,945
Rent: $0--Dad pays for it.
Any thoughts would be appreciated! 
Mod note: I've updated your subject to reflect your approvals; feel free to change/edit if you would like. --UB
I'd recon , I make way less and they approved me lol, no easy feat Haha. Wow, nice Chase limits
. I know I get that response from Penfed so it's not great to hear. Your next responses will probably recommend getting more money or drive Uber. Seriously, wait for it. Call and talk to them. Try and talk to a US based agent. Best of luck to Mom
. I know I get that response from Penfed so it's not great to hear. Your next responses will probably recommend getting more money or drive Uber. Seriously, wait for it. Call and talk to them. Try and talk to a US based agent. Best of luck to Mom
I have seen you post really insightful content on this site, so I thank you for answering my question.
Thanks for the reply!
I had my mom recon, but she was stilled denied. I spoke on her behalf (I speak English; she does not), and they told me (with my mom alongside me) that she has "too much exposure with Citibank-branded accounts" and "has an unhealthy debt-to-income ratio." I am surprised because she has a long credit history and has always paid her Sears Mastercard (which is issued by Citi) in full for the past 5 years. I know she does not make a lot, but she is responsible and is a simple woman. Regardless, do you think I should have her go for an American Express or Discover card? My mom really wants a new rewards cards.
All the best to you!
@Anonymous wrote:I have seen you post really insightful content on this site, so I thank you for answering my question.
Thanks for the reply!
I had my mom recon, but she was stilled denied. I spoke on her behalf (I speak English; she does not), and they told me (with my mom alongside me) that she has "too much exposure with Citibank-branded accounts" and "has an unhealthy debt-to-income ratio." I am surprised because she has a long credit history and has always paid her Sears Mastercard (which is issued by Citi) in full for the past 5 years. I know she does not make a lot, but she is responsible and is a simple woman. Regardless, do you think I should have her go for an American Express or Discover card? My mom really wants a new rewards cards.
All the best to you!
One thing she should do before applying elsewhere...she is showing a tiny balance on most of her cards...pay them all to zero before statements cut except 1. AZEO is what it is commonly called. It would also look better if less of her cards had been store cards, but there is really nothing can be done now about that. I know many here disagree, but I've seen enough evidence of people with many store cards being declined for a major credit card, that I do think it has an effect. IMO...the major cc issuers just don't have as much respect for store cards, especially if it is the majority of your cards.
@Anonymous wrote:UPDATE: My mom just apped for the AMEX BCE and was approved for $11k and the Best Buy Citi Visa for $10k (she is going to finance a new TV)! MY MOM IS QUICK...LOL! XD
I am honestly shocked she was approved for the Best Buy Visa because she was JUST denied CIti's Double Cash card.
I will have her garden.
Congrats...the BCE is really good for grocery shopping, and if the Best Buy card is also a Visa, it is not a store card.