@CC365 wrote:
@Anonymous wrote:
@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.
Hello there.
Please don't post personal information in the public forums.
MarineVietVet, myFICO moderator
Welcome to the forums!! While it's great that you want to start building your credit I would probably take it easy with the recon if I were you. 2 months is a very very short credit history, student or otherwise. As someone else mentioned, there are people with high FICOs and high incomes that get denied by Citi for fairly innocuous reasons. As a student who is new to credit it may not be in your best interest to rouse the Citi higher ups since they would probably view your calls as more of a nuisance than actually wanting to help if you were a high net worth client (sorry, just my honest opinion).
Citi generally looks for at least 12 months of credit history. I would suggest you garden for a bit. Allow your Wells Fargo account to mature and reapply then. You stand a really good chance of approval by doing that. I'm not sure any further recon would be beneficial to you at this moment. It may even be negative - you definitely don't want them flagging your file or anything that would ruin your chances for approval in the future.
Another poster mentioned the MTVu card. I believe this was discontinued recently and cardholders will be converted to Forward. As far as which is better (Freedom or Forward) they are so different in bonus categories that I actually have both cards to maximize rewards. 5 Thank You points = 3.3% cash back if you want to better compare these cards.
Citi discontinued their MTV and Driver's Edge cards but Capital One created their version of MTV. It's on the Capital One Website Under the student link.
Cap One's version is not so good. Only 2 points at restaurants and the APR is sky high 25% (that's almost the level of a penalty APR on a regular card) 
@Anonymous wrote:
@CC365 wrote:
@Anonymous wrote:
@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.
Hello there.
Please don't post personal information in the public forums.
MarineVietVet, myFICO moderator
Welcome to the forums!! While it's great that you want to start building your credit I would probably take it easy with the recon if I were you. 2 months is a very very short credit history, student or otherwise. As someone else mentioned, there are people with high FICOs and high incomes that get denied by Citi for fairly innocuous reasons. As a student who is new to credit it may not be in your best interest to rouse the Citi higher ups since they would probably view your calls as more of a nuisance than actually wanting to help if you were a high net worth client (sorry, just my honest opinion).
Citi generally looks for at least 12 months of credit history. I would suggest you garden for a bit. Allow your Wells Fargo account to mature and reapply then. You stand a really good chance of approval by doing that. I'm not sure any further recon would be beneficial to you at this moment. It may even be negative - you definitely don't want them flagging your file or anything that would ruin your chances for approval in the future.
Another poster mentioned the MTVu card. I believe this was discontinued recently and cardholders will be converted to Forward. As far as which is better (Freedom or Forward) they are so different in bonus categories that I actually have both cards to maximize rewards. 5 Thank You points = 3.3% cash back if you want to better compare these cards.
Citi discontinued their MTV and Driver's Edge cards but Capital One created their version of MTV. It's on the Capital One Website Under the student link.
Cap One's version is not so good. Only 2 points at restaurants and the APR is sky high 25% (that's almost the level of a penalty APR on a regular card)
Yes, Capital One seemed to have destroyed the benefits.
@CC365 wrote:
@Anonymous wrote:
@CC365 wrote:
@Anonymous wrote:
@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.
Hello there.
Please don't post personal information in the public forums.
MarineVietVet, myFICO moderator
Welcome to the forums!! While it's great that you want to start building your credit I would probably take it easy with the recon if I were you. 2 months is a very very short credit history, student or otherwise. As someone else mentioned, there are people with high FICOs and high incomes that get denied by Citi for fairly innocuous reasons. As a student who is new to credit it may not be in your best interest to rouse the Citi higher ups since they would probably view your calls as more of a nuisance than actually wanting to help if you were a high net worth client (sorry, just my honest opinion).
Citi generally looks for at least 12 months of credit history. I would suggest you garden for a bit. Allow your Wells Fargo account to mature and reapply then. You stand a really good chance of approval by doing that. I'm not sure any further recon would be beneficial to you at this moment. It may even be negative - you definitely don't want them flagging your file or anything that would ruin your chances for approval in the future.
Another poster mentioned the MTVu card. I believe this was discontinued recently and cardholders will be converted to Forward. As far as which is better (Freedom or Forward) they are so different in bonus categories that I actually have both cards to maximize rewards. 5 Thank You points = 3.3% cash back if you want to better compare these cards.
Citi discontinued their MTV and Driver's Edge cards but Capital One created their version of MTV. It's on the Capital One Website Under the student link.
Cap One's version is not so good. Only 2 points at restaurants and the APR is sky high 25% (that's almost the level of a penalty APR on a regular card)
Yes, Capital One seemed to have destroyed the benefits.
Plus, it cost 5,000 points for a $25 statement credit or check (and that's the minimum). Or 2,000 points for a $10 gift card, ect. So each point is 0.5 cents instead of a full 1 cent/1% cash back like most other cards give.
