Why does CITI hate me

[lhcole77]

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@yfan wrote:

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@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?

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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.

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Yup

[Anonymous]

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@ibmrad7 wrote:

Chase for me. They never approve me

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Amen to that brotha. We all have our mortal enemies. Just gotta keep chasing new friends I suppose. Woops. 

[Involver]

Citi doesn't hate you.

They have no feelings for you.

Their algorithms have deemed you a risk, and as such they are unwilling to raise the unsecured limit on your card, even with other lenders approving them for you.

[Anonymous]

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@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?

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I'm the same with Discover. They would never raise mine from $750. At this point, I don't really care since I got other card to worry about lol

[IWOL]

OP.... I have had a very similar experince with Citi.

I have 5 Chase Cards, 4 Amex.....plus many others, average limit around 10K but 5 as high as 25K and Citi keeps denying me.

I was very interested in the Thank You Premier becuase they have EVA Air as a transfer partner.

I have applied twice in the last 6 months and denied both times, despite 718 EX Fico,8% util.

It seems they do not like new accounts, i have added around 5 over rthe last 6 or 7 months.

I do have a BB Mastercard with a 10K limit but that started with Cap 1.

I was approved for the Ritz card with a 23K limit just a few days before I applied for the Thank You Premier, both EX pulls.

[Anonymous]

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@Involver wrote:

Citi doesn't hate you.

They have no feelings for you.

Their algorithms have deemed you a risk, and as such they are unwilling to raise the unsecured limit on your card, even with other lenders approving them for you.

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[Involver]

Well I mean honestly what was I supposed to post?

A little pragmatism never hurt anybody.

I don't get why people take credit so personally that they attach feelings and intentions to lenders.

[chalupaman]

I really don't think you're missing out on that much from Citi anyway. You have some pretty good cards in your sig already.

[CreditMagic7]

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@Involver wrote:
Well I mean honestly what was I supposed to post?

A little pragmatism never hurt anybody.

I don't get why people take credit so personally that they attach feelings and intentions to lenders.

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I admit that i am also guilty of the nonsense emotional aspect of matters on occasion myself, or did, until finding the antidote, as in severing ties with the offending party.

[Anonymous]

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@Involver wrote:
Well I mean honestly what was I supposed to post?

A little pragmatism never hurt anybody.

I don't get why people take credit so personally that they attach feelings and intentions to lenders.

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I know man, just kidding a bit.  I think of these posts as more of folks blowing off steam.