Citi credit card application status?

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irvine801
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Citi credit card application status?

Postby irvine801 » Mon Mar 05, 2012 5:53 pm

If I wasn't instantly approved for Citi credit card does that mean denial? Status was it requires more info. Applying for the simplicity card for a balance transfer.
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CC Deville
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Postby CC Deville » Mon Mar 05, 2012 7:11 pm

It may just mean that they need to manually review it. Try calling Citibank at these backdoor phone numbers:

  • 800-645-7240
  • 800-288-4653
  • 800-750-7453 (from another credit board)
And see if they can tell you the status if you were approved or not. Sometimes you can head off a denial by calling them in case they need more information or an explanation of certain info in your credit bureau.

irvine801
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Postby irvine801 » Tue Mar 06, 2012 7:16 am

Thanks! Still under review is what they said so now I play the waiting game. :)
-American Express Zync.
-Discover IT. 4.5k limit 7.99%
-MC Citi diamond preferred. 1500 limit
-Visa Chase freedom. 2k limit.(23.24%, NOT IN USE)
-Miles by discover 1.5k limit.7.99%
-Best buy store card. 1500 limit
-Mt. America visa 1k limit


irvine801
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Postby irvine801 » Tue Mar 06, 2012 5:14 pm

Denied! Too low credit score. Darn.
-American Express Zync.
-Discover IT. 4.5k limit 7.99%
-MC Citi diamond preferred. 1500 limit
-Visa Chase freedom. 2k limit.(23.24%, NOT IN USE)
-Miles by discover 1.5k limit.7.99%
-Best buy store card. 1500 limit
-Mt. America visa 1k limit

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PlatinumAMEX94
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Postby PlatinumAMEX94 » Tue Mar 06, 2012 5:48 pm

Did they tell you what the credit score needs to be for Citibank?
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irvine801
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Postby irvine801 » Tue Mar 06, 2012 8:37 pm

Nah unfortunately. I should call back and ask. I'll keep you informed
-American Express Zync.
-Discover IT. 4.5k limit 7.99%
-MC Citi diamond preferred. 1500 limit
-Visa Chase freedom. 2k limit.(23.24%, NOT IN USE)
-Miles by discover 1.5k limit.7.99%
-Best buy store card. 1500 limit
-Mt. America visa 1k limit

Money card
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Postby Money card » Tue Mar 06, 2012 9:41 pm

You have too many credit cards. When Citi looked at your credit report they saw 5 credit cards opened, there were all under the major bank or financial company. I'm sure it said on your report on-time/never late, don't know how many cards you have canceled.

But Citi wants to see usage with all the cards. If they were to give you that card, looking at 30% of your credit they feel you wouldn't be able to use all your cards plus this new one.

My friend had about 3 Chase cards, he wanted another 1 and the bank told him he has too many cards. He canceled 2 of them then he got the card he was looking for.

I also applied for a Citibank card and I received a letter saying I have too many inquiries. I had a 803 score until I opened a Citgo plus card.


irvine801
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Postby irvine801 » Wed Mar 07, 2012 12:13 am

Yeah. I've used my Citi card once. With the exception of a bad trans already.. with oh well. I figured it was worth a go.
-American Express Zync.
-Discover IT. 4.5k limit 7.99%
-MC Citi diamond preferred. 1500 limit
-Visa Chase freedom. 2k limit.(23.24%, NOT IN USE)
-Miles by discover 1.5k limit.7.99%
-Best buy store card. 1500 limit
-Mt. America visa 1k limit

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PlatinumAMEX94
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Postby PlatinumAMEX94 » Wed Mar 07, 2012 12:10 pm

irvine801 wrote:Yeah. I've used my Citi card once. With the exception of a bad trans already.. with oh well. I figured it was worth a go.


Just out of curiosity, if you already have a Citibank Diamond Preferred card, that you aren't even using, why would you want to open another Citibank account? At one point I had 4 different Citibank credit cards due to mergers and acquisitions, and each one of them had different rates/terms, and I closed all but my original account. Back then I didn't know what a credit score was but I did know I had too many credit cards, and at the time, too many bills associated with those.
American Express Platinum Personal, Member since 94
Chase United Explorer - Visa Signature
Chase Sapphire Preferred
American Express Business Simply Cash

American Express Costco Business, American Express Platinum Business
Bank of America 10k, Capital One Venture World MasterCard 7.5k, Fidelity Visa Signature 10k
Citibank ThankYou Premier World MasterCard - Card Member since 91, 25k
Discover 10k Member since 91, Wells Fargo Personal & Business Visa Signature
USAA World MasterCard 12k, Chase Slate Exclusives Visa 5k

Lifelock member, USAA credit monitoring, Security Freezes E/E/TU, 800+

irvine801
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Joined: Thu Jan 19, 2012 6:26 pm
Location: Salt lake city, UT

Postby irvine801 » Wed Mar 07, 2012 12:58 pm

I have an title loan I did a while back when my girl was in a jam. Horrible rate because when I did there was a charge off on my credit report for 40 bucks I fought and had removed completely removed off my reports. So I wanted to bal trans it and pay off my best buy card and a small bal on my credit union visa. Basically lowering my interest and combining those monthly payments into 1 lower payment. Auto loans are usually higher then a.credit card payment.
-American Express Zync.
-Discover IT. 4.5k limit 7.99%
-MC Citi diamond preferred. 1500 limit
-Visa Chase freedom. 2k limit.(23.24%, NOT IN USE)
-Miles by discover 1.5k limit.7.99%
-Best buy store card. 1500 limit
-Mt. America visa 1k limit



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