Citi Forward for Students Recon

[CreditChampion]

I have been denied a recon through the office of the president because of limited credit history. I will not take no for answer, and have left a message at Mod Cut house voicemail. Anyone have any suggestions? I have a 2 month old Wells Farco Cash Back college card.

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Hello there.

Please don't post personal information in the public forums.

MarineVietVet, myFICO moderator

[Anonymous]

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@CreditChampion wrote:

I have been denied a recon through the office of the president because of limited credit history. I will not take no for answer, and have left a message at Mod Cut house voicemail. Anyone have any suggestions? I have a 2 month old Wells Farco Cash Back college card.

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Is the only thing on your report the 2 month old WF card? Even if you're applying for a student card, Citi isn't one of the easy ones to get in with.

[CreditChampion]

Incase anyone was wondering the mod cut was the President of Citi

[chris2k5]

My suggestion is to just swallow the hard pull from Citi and move on.

For future reference (by the way I don't suggest you apply for another 1-2 months) I recommend you try:

Chase or CapitalOne. I am definitely recommending CapitalOne's Platinum card. It is easier to get and if you can keep that one clean of late payments and etc for 6 months, you can get Chase then Discover.

Citi cards are kind of pointless in my opinion. Chase offers Freedom card which is MUCH better than Forward. The Discover More card is pretty good as well.

[CreditChampion]

Why do you think Chase Freedom is better? The fast food/dining on the Forward is very appealing. If this last ditch effort fails I will garden and apply for Chase and Amex in 4 months.

[CreditWorld2013]

First let me say welcome to the Forums! 

The reason most people like the Freedom more is because you get 1% - 5%(Quarterly Categories) cash back. With the Forward card you get ThankYou Points with little extras. However, it varries on the personal spending habits. For example, Citi classifies Amazon as a Bookstore for all purchases and the Forward gives you about 5 points per $1 spent on Books, Movies, etc. So in my case when I have to purchase textbooks via Amazon I will get more points. So it's a good card also the APR reduction, the fast food/dining bonuses and Citi's (usually generous) CLI's are just added benefits. 

Now about the Recon...I would contact Citi's Executive Response Unit. Most likely they would transfer you to Citi's Vice Presidents office of Cards and that would be your best bet. You didn't post your file info such as inquiries, Age of accounts, etc so that would allow us to add more details and suggestions. Good Luck and keep us posted. 

[CreditChampion]

Oh I have a direct line to the office of the president.(didn't know it was vice) and still same result. So that is why I'm trying to talk to the big man himself. The Wells Fargo is my first account. No derogs, and Citi was my 2nd inq on Equifax. Income blows 4800yr because I'm a student.

[CreditWorld2013]

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@CreditChampion wrote:
Oh I have a direct line to the office of the president.(didn't know it was vice) and still same result. So that is why I'm trying to talk to the big man himself. The Wells Fargo is my first account. No derogs, and Citi was my 2nd inq on Equifax. Income blows 4800yr because I'm a student.

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Okay, your best bet is not to contact the President or Vice President himself. It would be best to speak to his assistant as they will want to resolve the problem before it getting to him. Also it depends on who answers the phone. Some people will say you should call back atleast 2-3 times as somone different might be in a better mood. So try again (Make sure the number you have is the same from the department I mentioned-google it) Now the problem can also be with the income. Given the fact that you have $4,800 as income they might see that as risky if you have a 800 CL on a Wells Fargo account (Assuming the Wells Fargo account is already reporting?) Remember if you have grants, etc you can include that into your income number (Don't inflate it too much for possible verification purposes) 

[CreditChampion]

Is the office of the president different than the office of the vice president?

[CreditWorld2013]

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@CreditChampion wrote:
Is the office of the president different than the office of the vice president?

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I'll PM you the number and you can see if that's the one you have. If I had to assume I would think they are 2 different offices.