Citi Forward, what they pull?

[Anonymous]

Well, I don't think that is the problem, I'm still trying to figure it out, I'll know for sure monday morning, and I hope to be sucessful

[Bourne]

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@Anonymous wrote:

I called 18882014523, selected option 2 that is for declined application, the explanantion was that I don;t have enough card, that Forward is a prime card?, I have three cards, one secured Public savings $250 limit, Macys, don't know the limit, Gap, $300, no baddies, just one inquire on EX and EQ  respectively. Scores EQ 660 EX 673, did I called the right number or there's another one?. Anyway, thanks.

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How old are those three accounts exactly? I read somewhere that Citi will only approve you if you have 2 or more accounts that a year or older. Not sure how true that is. Please keep up updated. Hell you can probably flat out ask them how they define "enough credit" exactly and what do they wanna see, etc..

[Anonymous]

The oldest account has more than 6 months, anyway they have approve cards to people without having any credit report at all

[Scene]

6 months as your oldest card is not alot of history to work with and that possibly means (to Citi) that you are at a high risk of defaulting.

[Anonymous]

Depending on what I read about Citi, that's not a problem

[Anonymous]

For the people who had recon with Citi, when I call the credit department that shows on the backdoor thread, do I have to ask to speak with a supervisor or the ones who answer there are the right people to deal??

[Anonymous]

I called backdoor and got script reading csrs. They didn't listen to anything I said. They flat out denied when I requested recon. I can't even say I failed at recon because it had never happened to begin with. At least when I asked for recon with amex, they actually took time to put my application in process and told expected time to wait which is acceptable at 48 hours. I failed recon with amex but at least I felt better that they actually took time to look through my credit report again and explained criterias I failed to meet. Good luck with your recon,if success, please tell me what number to call, how you persuade them to take a look at your credit report, what you mention that help overturn their decision.

[Anonymous]

I will keep updated, I can't wait to call and have an answer either yes or no

[trumpet-205]

When I apped my Forward card, I got the message that they need more time to process my application. I called in using the number website provided (not recon number) and verified my address. Which they told me to call back three days later. I called them three days later and was approved with $1K CL.

One thing though, make sure you're getting 5X bonus points version instead of 2X. Citi begins to offer 2X bonus points version of Forward card. CSR said 5X bonus points version is promotional.

Good luck!

[Anonymous]

I hope the recon works, I'm counting the hours to call, can't wait