Help me with my Citi recon (Update: APPROVED!)

[14Fiesta]

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@Anonymous wrote:

Congrats on the success!
This is the only card I desire that I don't have yet I was denied because too low income, so I don't think I can even recon. Maybe one day~

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Too low income? What did you put if you don't mind me asking?

[Anonymous]

I don't mind sharing for stat purposes. I'm a college student not working many hours, so I get $9000 annual income. Hopefully I'll get more hours and I'll be able to apply with a higher income in 2015.

[Anonymous]

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@14Fiesta wrote:

So my Citi decline letter came today, and the ONLY thing they list as reason for denial is because:

"The consumer reporting agency serving your area (Experian) has reported only a limited credit history for you."

I only got this type of letter when I couldn't generate a FICO score. Is it possible Citi has a longer minimum credit history requirement than Chase? How should I go about trying to recon this (if it's even worth the effort?)

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Congratulations!...Thanks For Sharing.

[14Fiesta]

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@Anonymous wrote:

I don't mind sharing for stat purposes. I'm a college student not working many hours, so I get $9000 annual income. Hopefully I'll get more hours and I'll be able to apply with a higher income in 2015.

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Definitely apply with a higher income in 2015. The reason I asked is I am in the same boat as you. I'm a college freshman who only works part time. I put down $12,000 and that's what got me in.

[14Fiesta]

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@Anonymous wrote:

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@14Fiesta wrote:

So my Citi decline letter came today, and the ONLY thing they list as reason for denial is because:

"The consumer reporting agency serving your area (Experian) has reported only a limited credit history for you."

I only got this type of letter when I couldn't generate a FICO score. Is it possible Citi has a longer minimum credit history requirement than Chase? How should I go about trying to recon this (if it's even worth the effort?)

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Congratulations!...Thanks For Sharing.

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WHAT? Why are you quoting my denial and saying congrats?!? My recon overturn is what you should have quoted. 

I'm just kidding. Thanks for thanks.

[Anonymous]

Congratulations! You contacted the EO for the recon? Or just the normal backdoor number?

Still need to recon my double cash denial.

[14Fiesta]

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@Anonymous wrote:

Congratulations! You contacted the EO for the recon? Or just the normal backdoor number?

Still need to recon my double cash denial.

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I contacted the EO through the backdoor number. GO NOW! RECOOOOONNNNN! It's better than taking no for an answer!

[14Fiesta]

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@Anonymous wrote:
Congratulations. Always good to recon. If I may ask what wasyourAAOA an scores when you applied? Also any baddies? Sorry I'm on my mobile device so I can't see your scores. Thanks again an congratulations.

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My welcome kit came today, but not the card. It did have the score through:

My EQ score was 711, however I think its a bankcard FICO as the range is 250-900.

The factors that adversely affected my credit score:

• Your credit report shows the length of time accounts have been established
• Your credit report shows the proportion of loan balances to loan amounts is too high (student loans in deferment)
• Your credit report shows too many inquires in the last 12 months
• The length of time revolving accounts have been established on your credit report

It's now confirmed I got a $500 credit line and $200 Cash Advance line.

Edit to update:

I just looked at my EQ report again and Citi did HP my EQ during recon so I took 2 HPs to get it. Yup time to garden for sure! 

[Anonymous]

Well, finally attempted a recon: no dice

[Anonymous]

Talked to an application supervisor. Denied for a few baddies that will be falling off in the next couple of months. Also denied for short revolving history (less than 6 months is what she said). She said they keep the applications on file for 90 days, and to call back when the baddies fall off to get a reconsideration at that time.