Citi, Say Hello to the Sock Drawer

Discuss the Visa & MasterCard payment networks as well as cards that operate through them.
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popamode72
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Citi, Say Hello to the Sock Drawer

Postby popamode72 » Tue Sep 09, 2014 11:17 am

This damn company still wouldn't let me PC my year old Forward card to their Double Cash card so I decided to foolishly take a chance and just apply for it and just closing the Forward card but instantly denied so I went and called the EO and explained what I was trying to so and a day later, still denied anyway. Oh yeah, still stuck at 1k with them with a crappy APR of 22.24% right now. Chase, Discover, and Amex are going to get the majority of my swipes now and I'll forget the Forward card is even in my wallet. Citi did help me build my credit but don't seem to care about growing with me as my profile improves. Oh well. Their loss and rant over. I've also put so much of my spending onto this card and having good payment history on it but not even that seems to make a difference.
Macy's TLs (21k), Lowes (17k), CSP (10k), Sam's Club (10k), Nordstrom (5k), AARP (4.2k), Freedom (3k), Discover (1.5k), Quicksilver (2k), BoA (3k), Barclaycard Arrival (2.5k), Amazon Store (6k), Paypal (4.9k), Sam's Club MC (3.6k), Walmart MC (1.2k)


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sicasun
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Postby sicasun » Tue Sep 09, 2014 11:34 am

That sucks that Citi won't give you a PC and keep you at 1k despite your good record. There are better cards out there :)
Is the Double Cash hard to get approved for?

Chase Sapphire Preferred | 09/2014 | $10,300
Chase Sapphire | 05/2010 | $5,000
Chase Freedom | 01/2013 | $5,500
CapitalOne Quicksilver | 01/2013 | $2,500
American Express TrueEarnings | 08/2014 | $5,500
Victoria's Secret Angel Card | 04/2011 | $600

FICO | 09/2014 | Experian 738 | Equifax 706 | TransUnion 701

popamode72
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Postby popamode72 » Tue Sep 09, 2014 11:43 am

For some people it doesn't seem that hard to get but they were getting high APRs and low credit limits with scores in the 700s. Other people have had better luck. Also I heard the all Forward cards can't be converted into anything else because they're set to convert to the Thank You Preferred card sometime in the future.
Macy's TLs (21k), Lowes (17k), CSP (10k), Sam's Club (10k), Nordstrom (5k), AARP (4.2k), Freedom (3k), Discover (1.5k), Quicksilver (2k), BoA (3k), Barclaycard Arrival (2.5k), Amazon Store (6k), Paypal (4.9k), Sam's Club MC (3.6k), Walmart MC (1.2k)

takeshi
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Postby takeshi » Tue Sep 09, 2014 11:50 am

What the reasons for denial?

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jumbo
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Postby jumbo » Tue Sep 09, 2014 11:53 am

I have the Citi in my sock drawer as well. Had the card for 3 years now, with no rewards and 1.2K limit :beat:
BofA Cash Rewards | CapitalOne QuickSilver | Discover More
Gold Delta AMEX | Citi DoubleCash | Citi Simplicity
Chase Freedom | Kohls Charge Card

popamode72
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Postby popamode72 » Tue Sep 09, 2014 11:57 am

takeshi wrote:What the reasons for denial?


Mainly inquiries which is why I didn't wanna have to take a HP. I wish Citi was more consumer friendly when it comes to PCs on my specific card.
Macy's TLs (21k), Lowes (17k), CSP (10k), Sam's Club (10k), Nordstrom (5k), AARP (4.2k), Freedom (3k), Discover (1.5k), Quicksilver (2k), BoA (3k), Barclaycard Arrival (2.5k), Amazon Store (6k), Paypal (4.9k), Sam's Club MC (3.6k), Walmart MC (1.2k)

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sicasun
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Postby sicasun » Tue Sep 09, 2014 12:01 pm

popamode72 wrote:For some people it doesn't seem that hard to get but they were getting high APRs and low credit limits with scores in the 700s. Other people have had better luck. Also I heard the all Forward cards can't be converted into anything else because they're set to convert to the Thank You Preferred card sometime in the future.

Hmmmm seems like a hard to get card :\ I was considering it, but after a HP for CSP in the near future, I might not try for it.

Chase Sapphire Preferred | 09/2014 | $10,300
Chase Sapphire | 05/2010 | $5,000
Chase Freedom | 01/2013 | $5,500
CapitalOne Quicksilver | 01/2013 | $2,500
American Express TrueEarnings | 08/2014 | $5,500
Victoria's Secret Angel Card | 04/2011 | $600

FICO | 09/2014 | Experian 738 | Equifax 706 | TransUnion 701

popamode72
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Postby popamode72 » Tue Sep 09, 2014 12:05 pm

sicasun wrote:Hmmmm seems like a hard to get card :\ I was considering it, but after a HP for CSP in the near future, I might not try for it.


They are very sensitive to inquiries in the last six months and even so, most of their cards kinda suck anyway IMO. Rather just go for a BOA cash rewards next year or the Sallie Mae, which then I would probably close the Citi card then. I know Chase can play hard to get at times but at least they are much more open to recon and giving good starting limits.
Macy's TLs (21k), Lowes (17k), CSP (10k), Sam's Club (10k), Nordstrom (5k), AARP (4.2k), Freedom (3k), Discover (1.5k), Quicksilver (2k), BoA (3k), Barclaycard Arrival (2.5k), Amazon Store (6k), Paypal (4.9k), Sam's Club MC (3.6k), Walmart MC (1.2k)

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PlyrStar93
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Postby PlyrStar93 » Tue Sep 09, 2014 12:11 pm

sicasun wrote:Hmmmm seems like a hard to get card

Have seen several cases people applying for whichever Citi card and get denied. They don't necessarily have problems with Chase or AMEX.
Others are asked for 4506T after submitting the application.
popamode72 wrote:Also I heard the all Forward cards can't be converted into anything else because they're set to convert to the Thank You Preferred card sometime in the future.

If they do this probably I will be another one to sockdrawer the card. Currently I utilize the 5 pts on restaurants and bookstores, but if this is cancelled out there really is no much reason to keep it.
Citi Forward Visa $5000 10/2012 | American Express Blue Cash Everyday $8000 2/2014 | Discover it $7000 5/2014
Chase Freedom Visa Signature $7000 6/2014 | Citi ThankYou Premier Visa Signature $5000 1/2015
All EMV.

popamode72
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Postby popamode72 » Tue Sep 09, 2014 12:36 pm

PlyrStar93 wrote:Have seen several cases people applying for whichever Citi card and get denied. They don't necessarily have problems with Chase or AMEX.
Others are asked for 4506T after submitting the application.

If they do this probably I will be another one to sockdrawer the card. Currently I utilize the 5 pts on restaurants and bookstores, but if this is cancelled out there really is no much reason to keep it.


I quite envy you there. Mine doesn't have 5x on restaurants and bookstores at all. It was the college version I started out with and it had a 6 month intro 0 APR and the only thing I like about it now is that for a few billing cycles, they reduce my APR by .25% for staying under my limit and paying on time and even that has a limit so I'll still have a high APR regardless.
Macy's TLs (21k), Lowes (17k), CSP (10k), Sam's Club (10k), Nordstrom (5k), AARP (4.2k), Freedom (3k), Discover (1.5k), Quicksilver (2k), BoA (3k), Barclaycard Arrival (2.5k), Amazon Store (6k), Paypal (4.9k), Sam's Club MC (3.6k), Walmart MC (1.2k)



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