I think people are trying to help OP and he is accusing them of being citi employees and was bashing citi for making a decision many other lenders would have also made in the same circumstances. I don't see people being overly rude to OP. that being said maybe there were posts that were removed or something that I did not see.
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@Jungook wrote:You guys were being awfully rude to the OP, I'm assuming flamebaiting is prohibited on this forum.
Flmaebaiting? Really? How old are we, 6? We arent allowed to say the OP is wrong when we have had much different experience with Citi in the past? No lender would approve 6 cards on the same day, and even if they did I would 100% expect AA to follow withing the few months after the accounts are opened. OP is angry because Citi declined him 1 of the 6 cards he applied for because they think its a risk. He is acting like he is entitled to having credit with any lender, when in fact none of us are. Credit is a privelage, not a right. So coming on here and saying everyone who has had a good experience with Citi (including myself) is baiting the OP into flaming us is wrong on so many levels. Play nice or don't play at all.
As previously suggested. Citi did not like the number of recent inq's and thought the app was risky. It's very difficult to overturn a Citi denial and as such it might be best to move on.
You were successful in your spree and the line up of new accts will help your cr portofolio.
You were successful in your spree and the line up of new accts will help your cr portofolio.
@azguy13 wrote:Oh, an update on the new Citi BB card. My wife requested a CLI on hers and it resulted in a HP. Granted, the request was for a $6K CLI which resulted in the 5 day message which meant manual review. So, for those in the garden, looks like Citi may be an auto HP.
Maybe the lower CLI requests will be a SP.
How long has she been in with Citi, it may be a instant HP for new comers...more so than for a higher limit CLI
@umut wrote:
u guys don't need to be upset I just wrote what I feel
Yes, you did. And I would caution you that those feelings could get you into trouble.
Getting emotionally invested in your finances can lead to making irrational decisions that have long-term negative consequences.
When you are making any kind of financial decision, it is helpful to calmly set aside your emotional responses and think carefully about the situation.
Wall Street traders, professional poker players, and everyday fellows like me will all tell you that emotions (when not taken in context with more reasoned information) can be very, very expensive.
As an example, if I had angrily "fired" every company that ever denied me for credit, payday loan shops and Vinnie the bookie from the pool hall would probably be the only creditors left that I'd be willing to apply to. 