Additional info needed for credit card application to be approved

Discuss the Visa & MasterCard payment networks as well as cards that operate through them.
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dressed4
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Additional info needed for credit card application to be approved

Postby dressed4 » Tue May 29, 2012 1:51 pm

I applied for the Citi Thank You Preferred Visa about a week ago over the phone. It seems the lady I applied with didn't fill in a home phone despite that I explained I used my mobile phone as my primary, but could provide a home phone if that wasn't acceptable.

When I called back to check the application, I was told that it was incomplete and was asked for a home phone number. I explained that it wasn't my primary and provided it. The person I spoke with understood 100% and filled it in. Unfortunately because of this they sent out a mailing requesting more information.

On this mailing they ask for your Name, Address, Income and SSN and signature, and you must mail it back. I asked if I could do it over the phone and was told they needed the original. Here is the problem. I feel somewhat uncomfortable sending my SSN through the mail, where anyone can open it, or could mistakenly receive it.

I called today asking if there was an alternative and was told they couldn't process it if I didn't send back the form. However I could opt to not write my SSN, but the representative couldn't say whether it would go through.

This isn't my first credit card, I already have an Amex blue and Chase Visa. What do you guys think? What would you do? They already hard pulled my credit, and I want to get the card, but I don't want to compromise my identity.

Thanks,


MemberSince99
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Postby MemberSince99 » Tue May 29, 2012 3:29 pm

My initial reaction was the same as yours - too much risk. Until I realized that if you fill out an app the old fashioned way and mail it in, you are taking the same risk with more info yet. I've done it in the past (though anything recent was online) and nothing happened. I know, there's always a first time, and nothing is guaranteed, and it sucks to be the one in a million who does have a problem.

I guess the risk vs reward is a call only you can make. I'd do it, most likely, but it's up to you.

dressed4
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Postby dressed4 » Tue May 29, 2012 3:37 pm

Yeh, I mean I thought about the same thing. The old apps used to be mailed and it was fine. It just seems ridiculous to me in this day and age that they are still utilizing mail for sensitive information. I offered to submit it electronically via email,fax,scan to email and all were unacceptable. Most likely I will fill it in and send it back, but it just seems crazy and I wanted to get some other opinions.

FutureBillionaire
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Postby FutureBillionaire » Tue May 29, 2012 8:06 pm

At this point, I would finish the process. I feel like if someone really wants my info, they can get it. I do my best to safeguard it, but folks out there do their dirt. Just my 2 cents.
Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
Plane tickets: CSP
Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
Clothes: Express, Amex BCP, Discover IT
Amazon: Citi Forward, Cash +
Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
Hotels and other travel: Discover Escape, CSP
Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
Balance transfers: Kroger 123 rewards
Bill Pay: Chase Ink Plus, Citi Forward
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape

dressed4
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Sent in the info

Postby dressed4 » Fri Jun 01, 2012 8:13 pm

I sent in the info yesterday. Any suggestion on when I should call them? Will they be able to do anything before the information arrives? I hate snail mail! :mad:

dressed4
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Postby dressed4 » Wed Jun 06, 2012 9:18 pm

Called up today to check on if they had received the info. They did, and said it would take 7-10 days to receive a decision. I did some searching and found this phone number 1-866-606-2787 which you can call to get an immediate decision. Called up and after being on hold for about 10 min and confirming some info, they approved me :) .

One last question. They approved me for a limit which is the lowest of any of my cards, and I am wondering how long before I can ask for a CLI, after receiving the card. Also does Citi do soft pulls for CLI?

Thanks.



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