Denied for Freedom, Approved for Citi $4000

[Anonymous]

Thank you very much! I had no idea of the prequalify soft hit on amex. I have heard about the backdate, but didn't know if it would work for a AU account.

[dalebb]

with a soft hit it cant hurt to try

[dalebb]

u will get a hard hit if ur approved

[Anonymous]

If by chance I am approved by any other CC company, will that affect my Citi approval?

[dalebb]

no,, most companys want to compete 4 u to use thier card, they dont make any money if u dont use it

[Anonymous]

Thank you so much for all your help!!!!

[dalebb]

lets use know what happens

[LS2982]

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@Anonymous wrote:

I am 18 years old, and have been trying to have the best credit score possible since before I was of age. 

@Currently an AU on an Amex Blue Cash opened 8 months ago CL @2200 and a Home Depot Card CL $6500

Both are reporting to all agencies, and I have 1 personal loan thru a CU for $3000

Ficos are : Experian 721 (only one that reports loan) , TU 739, and EQ: 738

I was denied for a Chase Freedom, and a Discover More

NEXT DAY, approved for a Citi Forward Visa with a CL of $4000.

Recon on the Discover was unsucessful, even when they tried a student card (i am a student), so was Freedom.  They said I had no accounts that i was PRIMARILY responsible for.

P.S. These recons were done before Citi approved me

Should I call for a recon AFTER i was approved for Citi???

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With Chase/Discover denying you, I would try to get 6mos / 1 yr good history on the Citibank card and re-app. Also, tike PP have said, try to pre-qual for AMEX.

[Anonymous]

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@Anonymous wrote:

Would you mind telling us a little more about your history.

Age of accounts, Income?????

Your situation sounds similar to mine, My scores are all above 720!!!! I couldnt believe they would deny.

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I'd imagine it's due to your age. 4k on a forward card is still really good. You sound really credit savvy for your age. I'm sure you'll do fine. I thank god no one gave me a card with 4k when I was 18. I can't even imagine the hole I would have dug with that.

[Anonymous]

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@Anonymous wrote:

Would you mind telling us a little more about your history.

Age of accounts, Income?????

Your situation sounds similar to mine, My scores are all above 720!!!! I couldnt believe they would deny.

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Scores with a thin file are very misleading and the fact that you had no cards of your own prior to Forward has a much greater affect on your credit worthiness.  Give your Citi account some time to age then reapp.