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UPDATE: APPROVED - Citi Pre-Qualify turned 7-10 day message. Recon?

Your FICO® Scores can impact your loan interest rates, terms, approvals and more.
Contributor

UPDATE: APPROVED - Citi Pre-Qualify turned 7-10 day message. Recon?

I've been receiving letters from Citi for 6 months now with pre-approval offers for the Double Cash. I have no use for that card as I already have a 2% cashback card in the PayPal MC. I've been wanting the Costco visa and eying the Simplicity+ however, as I do make a lot of small purchases here and there and I like the rewards roundup. When Simplicity came back as pre-qualified, I decided to just pull the trigger and got the much dreaded 7-10 day message.

 

If denied, anyone have any luck with Citi and recon? They pulled both EX and EQ, and I'd hate to have wasted two HPs.

 

EX is 679, util. at 22%, 5 inq and one baddie (120 day late from two years ago).

EQ is 679, util. at 22%, 0 inq and one baddie (paid collection from two years ago).

AAoA is only 1 year and 3 months.

Never burned Citi.


Credit Cards

Misc Revolvers

Installment:

Current FICO8:
UTI: 23% | TCL: $31,600 | AAoA: 15 mo | INQ: ¯\_(ツ)_/¯
Message 1 of 10
9 REPLIES 9
Super Contributor

Re: Citi Pre-Qualify turned 7-10 day message. Recon?

Unfortunately, Citi is not really known for overturning denials. I would wait and see what the denial letter says (if it's a denial and not just a verification thing), but more often than not with Citi you just have to wait and try again later.

Message 2 of 10
Established Member

Re: Citi Pre-Qualify turned 7-10 day message. Recon?

I got the 7-10 message on the Citi premier with 1 yr 2 months aaoa. But my score was higher. I got an email 3 days later being approved.
Message 3 of 10
Contributor

Re: Citi Pre-Qualify turned 7-10 day message. Recon?

Thank you all for replying. I eventually got a denial letter in the mail. The letter said they couldn't verify some of the information provided. I called the EO number 605-331-1698 and got a rep almost immediately. She asked me a few questions and then approved me!

 

Bad news is, I'm a bit disappointed with the SL - It's $1,000, but will hopefully grow. I've been wanting an in w/ Citi so I'm not complaining.


Credit Cards

Misc Revolvers

Installment:

Current FICO8:
UTI: 23% | TCL: $31,600 | AAoA: 15 mo | INQ: ¯\_(ツ)_/¯
Message 4 of 10
Contributor

Re: Citi Pre-Qualify turned 7-10 day message. Recon?

tenorBam!

1st Divorce, 2nd Rebuild, Credit Celibacy 2008 - 2016








Plowing in the garden as of 4/8/2019, ugh!

Starting Score: 580
Current Score: 660
Goal Score: 750

Take the myFICO Fitness Challenge
Message 5 of 10
Valued Contributor

Re: Citi Pre-Qualify turned 7-10 day message. Recon?

Congrats on the approval, glad it worked out!



;
Message 6 of 10
Community Leader
Super Contributor

Re: UPDATE: APPROVED - Citi Pre-Qualify turned 7-10 day message. Recon?

Congrats on your new card 

EX 754 EQ 769 TU 756
Message 7 of 10
Community Leader
Super Contributor

Re: UPDATE: APPROVED - Citi Pre-Qualify turned 7-10 day message. Recon?

Congrats on your approval

FICO 08 Scores (Mar-19): TU 808, EQ 795, EX 787

Message 8 of 10
Established Member

Re: Citi Pre-Qualify turned 7-10 day message. Recon?

If you use it they will give you increases. Congrats!
Message 9 of 10
Frequent Contributor

Re: Citi Pre-Qualify turned 7-10 day message. Recon?


 

Bad news is, I'm a bit disappointed with the SL - It's $1,000, but will hopefully grow. I've been wanting an in w/ Citi so I'm not complaining.

 

 

Congrats on your approval!


 

Message 10 of 10