Author Topic: Citi AA Master Thread (Read 2853000 times)

CS91 · « **Reply #9120 on:** February 11, 2016, 09:51:58 AM »

Quote from: EJB on February 11, 2016, 09:49:01 AM

Damn. At least statement will close pre deval. Any way to change statement close and be sure it doesn't extend it another month?

Not AFAIK.

D93 · « **Reply #9121 on:** February 11, 2016, 10:16:22 AM »

Quote from: EJB on February 11, 2016, 09:49:01 AM

Damn. At least statement will close pre deval. Any way to change statement close and be sure it doesn't extend it another month?

No

CS91 · « **Reply #9122 on:** February 14, 2016, 11:44:37 PM »

So, I completely botched the count on the 8/65 rule and now I'm a bit confused as to when I can submit the next app. Here's the timeline of my apps, any help would be much appreciated (want to try to take advantage of W-WE glitch for as long as possible

).

Nov. 16: Citi AA Plat. (Approved)
Dec. 9: Citi Hilton Signature (Approved)
Jan. 19: Citi Hilton Reserve (Approved)
Jan. 27: Citi AA Plat. (Denied - too many apps): Didn't realize I was within 65 days of Dec. 9 app. Citi didn't even pull credit report because too many apps.
Jan. 30: Citi AA Plat. (Denied - too many apps): Still didn't realize I was within 65 days of Dec. 9 and was told that I didn't have to wait 8 days if credit report wasn't pulled.
Feb. 13: Citi AA Plat. (Denied - too many apps.): By now I realized that Dec. 9 was causing me problems, but even though it's over 65 days by now, I still got denied for same reason. I've been told by numerous people that apps that don't result in credit pulls shouldn't be counted in 8/65 rule because the app doesn't go through.

Where am I going wrong?

Venilla · « **Reply #9123 on:** February 15, 2016, 01:29:21 AM »

Quote from: CS91 on February 14, 2016, 11:44:37 PM

So, I completely botched the count on the 8/65 rule and now I'm a bit confused as to when I can submit the next app. Here's the timeline of my apps, any help would be much appreciated (want to try to take advantage of W-WE glitch for as long as possible ).

Nov. 16: Citi AA Plat. (Approved)
Dec. 9: Citi Hilton Signature (Approved)
Jan. 19: Citi Hilton Reserve (Approved)
Jan. 27: Citi AA Plat. (Denied - too many apps): Didn't realize I was within 65 days of Dec. 9 app. Citi didn't even pull credit report because too many apps.
Jan. 30: Citi AA Plat. (Denied - too many apps): Still didn't realize I was within 65 days of Dec. 9 and was told that I didn't have to wait 8 days if credit report wasn't pulled.
Feb. 13: Citi AA Plat. (Denied - too many apps.): By now I realized that Dec. 9 was causing me problems, but even though it's over 65 days by now, I still got denied for same reason. I've been told by numerous people that apps that don't result in credit pulls shouldn't be counted in 8/65 rule because the app doesn't go through.

Where am I going wrong?

As per the FT WIKI denied apps count... So you got your answer.

CS91 · « **Reply #9124 on:** February 15, 2016, 01:32:13 AM »

Quote from: Venilla on February 15, 2016, 01:29:21 AM

As per the FT WIKI denied apps count... So you got your answer.

There's no distinction between apps that went through normally and were denied and apps that were never even processed? I was told by a reliable source that there is...

eliraps · « **Reply #9125 on:** February 15, 2016, 04:44:54 AM »

Quote from: CS91 on February 14, 2016, 11:44:37 PM

want to try to take advantage of W-WE glitch for as long as possible

What exactly is the glitch? They automatically convert your card to WE or you have to call to change it?

D93 · « **Reply #9126 on:** February 15, 2016, 04:48:57 AM »

Quote from: eliraps on February 15, 2016, 04:44:54 AM

What exactly is the glitch? They automatically convert your card to WE or you have to call to change it?

See FT wiki. Automatically.

yoshapman · « **Reply #9127 on:** February 17, 2016, 11:30:00 AM »

I have 5 Experian credit hits in the last 3 months (although no hits in the 3 months before that) - will Citi still approve me if I try for a Citicard today? I know I've read before that they have an issue approving if you've had 6 hits in 6 months.

Venilla · « **Reply #9128 on:** February 17, 2016, 11:32:59 AM »

Quote from: yoshapman on February 17, 2016, 11:30:00 AM

I have 5 Experian credit hits in the last 3 months (although no hits in the 3 months before that) - will Citi still approve me if I try for a Citicard today? I know I've read before that they have an issue approving if you've had 6 hits in 6 months.

A. Where are you based? In NY there's quite some chance they'll only pull EQ.
B. I got 3 Citi cards in the past 3 months. I have way more than 6 pulls.

yoshapman · « **Reply #9129 on:** February 17, 2016, 12:12:20 PM »

Quote from: Venilla on February 17, 2016, 11:32:59 AM

A. Where are you based? In NY there's quite some chance they'll only pull EQ.
B. I got 3 Citi cards in the past 3 months. I have way more than 6 pulls.

NJ - Citi, Chase, and Amex keep pulling Experian.

D93 · « **Reply #9130 on:** February 17, 2016, 12:45:09 PM »

Quote from: yoshapman on February 17, 2016, 11:30:00 AM

I have 5 Experian credit hits in the last 3 months (although no hits in the 3 months before that) - will Citi still approve me if I try for a Citicard today? I know I've read before that they have an issue approving if you've had 6 hits in 6 months.

Don't believe everything you read.