vsave wrote:First - few years ago with good-excellent score, I got American Airlines Citi card. I hardly used for few transactions and one of them on domestic flight. Guess what, out of blue my card is closed. I don't recollect if I received any mails/emails with reason or even if I had applied for some other one in same period.
If you rarely use a card there is always the chance the bank will close the account. From Citi's point of view, you're were not using the card anyway, and they can make better use of the credit line and have less risk by extending it to someone else. You may not recall getting any mail from them but that doesn't mean you didn't.
vsave wrote:Second recent attempt for citi double cash - 760+ score
got a message online that they will respond in a week due to additional processing. I receive a mail indicating that I need to submit my ssn number on a form as an authorization. I didn't want to send any more information than what I submitted online. I can live without double-cash and have 1.5 with current capital one and various others.
If you'd given them your SSN maybe you would have been approved. Instead, you wasted an inquiry. The bank has the right to request your SSN and it is the norm.
vsave wrote:Citi just sucks in the name of risk analysis loosing good customers (I say good because I got good score and I don't carry balances on my cards).
By your own admission, you never used the citi card you already had. So you really didn't have much of a relationship with citi, or position yourself as a "Good customer."
Citi was the first card I ever got and I've never had a bad experience with them. I didn't intend to be so negative in my reply but it's frustrating to see posts that misconstrue how this credit card "Game" works and make it seem like banks are in our debt. It's the other way around and we'd all be better off and less stressed if we kept this in mind.
Citi Forward ($10.1K), AmEx Blue Cash Everyday ($30K), Chase Freedom ($12.4K), Discover it ($5.5K), Barclaycard Arrival ($12.5K), L.L. Bean Visa ($5K). FICO 806 (TU), 812 (EQ), 806 (EX).