- Centurion Member
- Posts: 204
- Joined: Tue Oct 30, 2012 10:25 am
- Location: TX
When I got turned down for a Lowe's store card, I decided to work on improving my independent credit history. I applied for a card I knew I could get, but wouldn't want to keep (a Capital One beginner card with an annual fee). Since I knew I wasn't going to keep it for more than a year or two, I also tried for a card with my local bank (Citi ThankYou) which I also didn't really want, but at least it was free, and I could continue to keep it even after I let the other card go.
I had banked with Citibank for seven years, so I applied in-branch (Nov 6th-ish?), hoping that would give me an edge. I heard nothing from them until I got a letter dated the 14th, saying, "Uh, who are you? Can you verify your address? And your phone number? And your income? Please send us an original phone bill, a copy of a utility bill showing your address, and a letter from your CPA verifying your income if you're self-employed. And, by the way, if we don't hear back from you, we totally understand." So I jumped through all their hoops in a response dated the 16th.
Didn't hear back from them. Didn't care to press the issue. I finally get an acceptance letter on December 18th, and my card arrived in the mail by December 20th.