Why does CITI hate me

[CreditGuy03]

I have done nothing wrong to these guys yet they just deny deny deny. I have had a home depot card with them for 5 years, perfect payment history and they can't even give me a CLI from the measly $500 starter limit. 

I apply for a Best Buy card and nope. DENIED! Even on Recon. I applied about 6 months ago for a CITI Hilton card and was denied for that as well.

While chase just gave me a new southwest card with a 13k limit and I just got my second barclays (Sallie Mae) with a $5000 limit and even a lowes card (the competitor to home depot) for 1k reconned to 12.5k.

Why is Citi like this?

[Anonymous]

---

@CreditGuy03 wrote:

I have done nothing wrong to these guys yet they just deny deny deny. I have had a home depot card with them for 5 years, perfect payment history and they can't even give me a CLI from the measly $500 starter limit. 

I apply for a Best Buy card and nope. DENIED! Even on Recon. I applied about 6 months ago for a CITI Hilton card and was denied for that as well.

While chase just gave me a new southwest card with a 13k limit and I just got my second barclays (Sallie Mae) with a $5000 limit and even a lowes card (the competitor to home depot) for 1k reconned to 12.5k.

Why is Citi like this?

---

It just happens. Just like Cap1 doesnt like me. I've applied at least 4 times, denial everytime. At least they reasoned it as "short AAoA". What's the reason they said?

[Skye12329]

Maybe they just hate you  

Why were you declined? Reasons?

[CreditGuy03]

An old charge off from 2009 with a credit union. was the reason.

Makes no sense. everyone else is approving me with that same CO still showing.

[Anonymous]

---

@CreditGuy03 wrote:

An old charge off from 2009 with a credit union. was the reason.

Makes no sense. everyone else is approving me with that same CO still showing.

---

Did you call for a recon?

[CreditMagic7]

One thing thats almost certain that i keep seeing in here and have experienced myself is that there always seems to be that one lender in a group that refuses to compete.

Maybe in OP's case, it just happens to be Citi.

Now for me, it was Crap1 and to a lesser extent Discover. Does make you wonder why but not much anymore since with some it's a common trend.

[ibmrad7]

Chase for me. They never approve me

[CreditGuy03]

---

@CreditMagic7 wrote:

One thing thats almost certain that i keep seeing in here and have experienced myself is that there always seems to be that one lender in a group that refuses to compete.

Maybe in OP's case, it just happens to be Citi.

Now for me, it was Crap1 and to a lesser extent Discover. Does make you wonder why but not much anymore since with some it's a common trend.

---

Yep Im beginning to agree with this.

I have Barclays, Chase, Cap 1 and SyncB

I have that one Citi home depot from 5 years ago but even that is on the fritz. Cant even get a $100 CLI. 

[lhcole77]

Are you EX and EQ scores in your siggy current? Citi might not be keen on them.

[yfan]

---

@CreditGuy03 wrote:

While chase just gave me a new southwest card with a 13k limit and I just got my second barclays (Sallie Mae) with a $5000 limit and even a lowes card (the competitor to home depot) for 1k reconned to 12.5k.

Why is Citi like this?

---

When you say 'just', how recent are these tradelines? Citi is known to be gun shy when you have a few new accounts showing on your report.