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    Centurion Member ncosky290's Avatar
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    Default Citi Credit Card Application Denied. What Should I Do?

    Applied a few days ago for the Citi. They declined me for too many inquires. That is it. Not to many accounts or balances to high. Anyone have luck getting a reconsideration when it is just that reason. This is probably due to the fact that i got a new car in Dec which was 5 inquires. Advice anyone?

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    I have not heard of many success stories wherein Citibank recons are concerned...but since you took the inquiry it is worth a shot.

    agp posted this information on another thread back in August:

    Citi recon number?

    "There's no number to call, but you can write to:

    CitiBank Executive Review Department, P.O. Box 6000, Sioux Falls, SD 57117"

    You could also try Tweeting the AskCiti team on Twitter to have someone there call you. They are top level reps so it could be worth a shot. You just Tweet them a general question such as "Denied for a card, who can I talk to about this?" and they will send you a private message requesting your phone number. But I think the above address is your best shot.

    Emphasize in your letter that your inquiries are the result of auto loan "shopping" by the dealer and you were under the impression that several inquiries tied to an auto loan or mortgage are usually counted as one by most creditors.

    It could also be this: "9 Retail Cards (2010-2012)" ouch! 9? Are they all still opened? Even though the inquiries from 2011 and early 2012 shouldn't be a decisioning factor in your recent denial, most creditors see that you have opened 13 cards in less than 3 years and they get a little nervous.
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    Centurion Member MemberSince99's Avatar
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    Even if Citi gives you a reason, trust me I speak from personal experience, there could be others they won't bother to tell you about even if you resolve that reason. They are VERY quirky in terms of approvals and they either seem to love you or hate you.

    Case in point - in early 2011 I applied for a Citi card. I was declined, the only reason given was I did not carry a balance on a revolving account. I called to recon, I simply could not believe something that stupid was the stumbling block. They would not budge. So I let a small 20 dollar balance hit, applied again in 60 to 90 days, and guess what? They declined me for "too many inquiries". I didn't even bother to recon that as I knew it was a complete waste of time to try. The foreign CSR won't care less and they can't wait to get you off the phone, and it shows in their tone and demeanor.

    So you have to ask yourself, do you even really want to deal with these guys? If they don't like you, they don't like you, and you could die on a cross and rise again in 3 days and turn the water in their swimming pools to champagne and fill it with gold bricks, and you'd still be a bum to them. I've decided Citi really doesn't offer anything I can't get elsewhere with a lot less bizarro world involved, and even if I didn't feel that way, they've made it crystal clear they want NOTHING to do with me. So be it.
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    Default You should be happy - Citi has terrible site

    Quote Originally Posted by ncosky290 View Post
    Applied a few days ago for the Citi. They declined me for too many inquires. That is it. Not to many accounts or balances to high. Anyone have luck getting a reconsideration when it is just that reason. This is probably due to the fact that i got a new car in Dec which was 5 inquires. Advice anyone?

    Nick*
    These idiots cannot fix their site for a long time
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