Ok, now I am THOROUGHLY stumped! I checked my Equifax FICO score last week. It was 747. That same day, I applied for a Juniper card and Citi Platinum Select. DENIED BOTH. :( Called to find out why and was given a generic reason..."limited credit". Ok, oh well, guess I need to add a couple more lines of credit than my current 2. The 747 Fico didn't seem to matter at all with Citi, since they have their own scoring system.
So, I figure maybe I should aim lower. A lot of you guys seemed to be having good luck with the silver Citi AAdvantage, so it seemed like a good one to try to get. I had seen some people saying they'd gotten approved for it with MUCH lower scores than 747, so it seemed like a good gamble.
So, now I am just plain blank as to what the problem is. I can understand getting denied the Platinum, but why on Earth wouldn't they approve me for the plain Citi AAdvantage? They pulled Equifax, and my Equifax report is IMMACULATE. Not one single negative. I've got a 13 mth. old Cap 1 card and an Orchard Card. Both with excellent payment histories. Current balance to limit ratio is just 7%. $0 bal on the Cap 1 and a small balance on the Orchard. Income is 56K so that shouldn't have stopped me from getting the card. I'm lost on this one. Citi just confuses me. lol
I went to Dell and applied for a line of credit, since I seem to need to buff up my report. They pulled Experian. My Experian report is identical to my Equifax. I was instantly approved for a $5000 loan, lowest interest rate, 90 days same as cash deal. I figure, ok, that'll look good on my credit report as I pay it off. THEN TO MY HORROR I find out that Dell doesn't report to the credit bureaus. So, I screwed that plan up.
I sent Citi a letter via PlanetFeedback to try to get them to change their mind. I mean, I'm just trying to get my foot in the door with them. I don't get why I wouldn't AT THE VERY LEAST qualify for the AAdvantage card with some small limit. Citi's criteria are baffling to me.
Does anyone have ANY idea what I might be doing wrong, or is this just a lost cause with them?Maybe George's dark cloud tracked me down. ;)
Thanks for any insight,