Citi - Help

[mahendra82]

I applied for the Citi Aadvantage Amex card on Monday, and I got the dreaded 7-10 day message. I called today to get an update on the application only to find out that there is some "special instruction" that I am suppose to know on my equifax file. In any case, since I didn't know the supposed instructions they cancelled my application and advvised me to reapply again!  Did I just waste an inquiry or can I do something about this?

Thanks FICOers. 

[DI]

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@mahendra82 wrote:

I applied for the Citi Aadvantage Amex card on Monday, and I got the dreaded 7-10 day message. I called today to get an update on the application only to find out that there is some "special instruction" that I am suppose to know on my equifax file. In any case, since I didn't know the supposed instructions they cancelled my application and advvised me to reapply again!  Did I just waste an inquiry or can I do something about this?

Thanks FICOers. 

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Do you have a freeze on your EQ report?  That's the only thing I can think of that requires  "special instruction" which  means the freeze need to be lifted. 

[mahendra82]

No - I don't!!!! 

Can I dispute the inquiry now?

[Anonymous]

Having applied to Citi for credit means you probably cannot dispute the hard pull.  More important though is to know what Citi is referring to.  Suppose it is a fraud alert notice?

[mahendra82]

Yes - I think it's  a fraud alert notice. 

[mahendra82]

What should I do now?

[mahendra82]

I insisted on talking to a supervisor. She went ahead and reinstated my application. Approved for 10k!

Now, I just need to control myself and stop apping!!!!!!!! It's so hard when I really have my eye on the Amex Blue Cash Everyday.