Citi reconsideration

[sedge]

It was as of April when I wrote in. Don't know if anything has changed since then.

Phone recon on the HH card has proven futile. 4xHUCA.

Reasoning was >6 inqs in 6 mo.  yet was approved in Oct for the AA Pt and had waaaay more than 6 inqs/6 mo. at that time.

[nobiggy]

Is this still the correct person?

Yes.

[CS91]

Phone recon on the HH card has proven futile. 4xHUCA.

Reasoning was >6 inqs in 6 mo.  yet was approved in Oct for the AA Pt and had waaaay more than 6 inqs/6 mo. at that time.

>6 with Citi alone, or total?

[sedge]

>6 with Citi alone, or total?

18 total in 6 mo. 4/Citi

[Cappy]

Phone recon on the HH card has proven futile. 4xHUCA.

Reasoning was >6 inqs in 6 mo.  yet was approved in Oct for the AA Pt and had waaaay more than 6 inqs/6 mo. at that time.

That wasn't the reason you were denied even if that's what they told you. Citi loves to give Inqs as a reason for denial. Mendelssohn got approved with 20+ Inqs for a Citi card.

It's something else.

[sedge]

That wasn't the reason you were denied even if that's what they told you. Citi loves to give Inqs as a reason for denial. Mendelssohn got approved with 20+ Inqs for a Citi card.

It's something else.

<1% util, diversified and I run 10-40k through Citi cards monthly.

[Cappy]

No baddies, excellent scores, <1% util, diversified and I run 10-40k through Citi cards monthly.

How many recent new accounts?

[sedge]

How many recent new accounts?

4


ETA. Too recent to report

[Cappy]

4


ETA. Too recent to report

In the last 6-12 months, how many new accounts?

[sedge]

In the last 6-12 months, how many new accounts?

15

[yuguy]

Anyone know what time (or around what time) is best to get a credit rep via chat? I've tried last night and they said to try this morning at 9am--no luck.

[Cappy]

15

Mystery solved

You now have your answer why you were denied

[David Smith]

15

Why do you have more inquiries than new accounts?

[David Smith]

He could've b* them, but IIRC, EQ B* stopped early this year.

Plus they could've been from other bureau pulls.

B* used to be my favorite hobby

That would explain more accounts than inquiries (although there's a much simpler explanation for that), but not more inquiries than accounts. (Please don't say CLI requests.)

[Cappy]

That would explain more accounts than inquiries (although there's a much simpler explanation for that), but not more inquiries than accounts. (Please don't say CLI requests.)

I obviously misread it.  But to answer why more inquiries than accounts.

Either new app denials and yes CLI requests :

TBH, nobody really pulls EQ these days for CLI's besides Citi. Plus usually you could get a soft CLI anyway

[David Smith]

I obviously misread it.  But to answer why more inquiries than accounts.

Either new app denials and yes CLI requests :

TBH, nobody really pulls EQ these days for CLI's besides Citi. Plus usually you could get a soft CLI anyway

That's more denials than I would expect. And I think pretty few people here would take a hard pull for a CLI request. (And it should be more then one account per inquiry.)

[Cappy]

That's more denials than I would expect. And I think pretty few people here would take a hard pull for a CLI request. (And it should be more then one account per inquiry.)

Big Banks with soft CLI requests
Amex: always Soft
Barclays: soft and hard
Bank of America: hards almost always. (Recent report of soft, but don't count on it)
Capital one: always soft
Citi: soft and hard
Chase: always hard unless you get an auto CLI
Discover: soft and hard

I should add this list I made to a wiki somewhere in sure. Any thread I should add to?

Or maybe I should create a new thread for it?

[David Smith]

Big Banks with soft CLI requests
Amex: always Soft
Barclays: soft and hard
Bank of America: hards almost always. (Recent report of soft, but don't count on it)
Capital one: always soft
Citi: soft and hard
Chase: always hard unless you get an auto CLI
Discover: soft and hard

I should add this list I made to a wiki somewhere in sure. Any thread I should add to?

Hopefully TimT will have a suggestion.  And you should also put in consolidation data.

[sedge]

In the past 6 months...

18 inqs

15 new consumer cards

1 CLOC

2 denials

4 new accounts in the last week.

[Cappy]

Hopefully TimT will have a suggestion.  And you should also put in consolidation data.

Will do...