Citibank APPROVAL!!!!!!!!!!!!!!

Discussion in 'Credit Talk' started by MikeG, Aug 9, 2001.

  1. MikeG

    MikeG Well-Known Member

    I dont believe it. I sat at my computer for ten minutes before I had enough courage to hit the submit button. If you have read, I spoke of a major error on my Equifax report (90 day late in April) which dropped my score 70 points. I have been debating on waiting for a fix of the problem (which hasnt happened in 5 months) or just applying and immediately calling custormer service upon being declined to plead my case.

    To my suprise, I received an instant approval. My first one. I dont know what to do with myself. I have alway, always, always been declined or given the more processing needed message when applying on the net . Well one time I applied for Capital One and I was declined platinum and given classic card.

    They stated they needed to verify some information first, but will mail cards to my house. Let me add that I just paid off my balance of capital one and had 2 bank loans paid off also.

    OH HAPPY DAY!!!!!!!!!!!!

    Mike G.
  2. Dani

    Dani Well-Known Member

    Congrats, Mike.

  3. Saar

    Saar Banned


    If anyone deserves it, it's you. Congrats!!!

    Apply again to double your credit line w/ Citi (unless you're already back on the wagon :))

  4. MikeG

    MikeG Well-Known Member

    Thanks Saar and Dani,

    My credit repair or education basically started with Saar educating me on Cap. 1 Retention last year at this time. Hey, I do believe it is high time I call Capital One and ask for an increase to match my citibank card.

    Mike G.
  5. roni

    roni Well-Known Member

    YOU GO!

    Welcome to the Citiclub... we need to start handing out buttons.....

  6. breeze

    breeze Well-Known Member

    Fantastic!! Congratulations!

  7. MikeG

    MikeG Well-Known Member

    Thanks breeze and roni,

    Let's not forget that this started with Roni back I believe october of last year sharing her Citibank experience.

    Mike G.
  8. Cyprigirl

    Cyprigirl Well-Known Member



  9. NanaC

    NanaC Well-Known Member

    Wow, congrats! I can really relate to the staring at the screen thing!! LOL
  10. mindylou

    mindylou Well-Known Member

    Congrats on your new citi card welcome to the club.

  11. MikeB

    MikeB Banned

  12. Debmac

    Debmac Well-Known Member


    Maybe it WAS the full moon!

    Much 'grats!

  13. MikeG

    MikeG Well-Known Member

    Thanks to all,

    Yeah NanaC, I just stared and stared at the monitor. Moved the mouse and cursor over the submit button and waited until courage finally kicked in. I thought I was the only chicken around here.

    Mike G.
  14. roni

    roni Well-Known Member

    You did better than me. I thought I had blanked out for a second and was seeing things. I couldnt focus on the screen AT ALL. Blurred vision...seeing spots. Woke up the next day and didnt know WHO I
  15. Kitty

    Kitty Well-Known Member

    What an exhilirating feeling! Congrats. I was just like you feeling depressed to apply thru the net and just see the more processing is needed or declined. But, like you when I applied with Citi and after seeing the hourglass turn and turn, I already assumed, oh know, its declined. To my surprise, well not really because I have been working hard on getting a good credit record, I saw approved!!!! What joy, well for us on this board, its a very big deal. What card did you apply for? What apr did you get?
    Keep up the good work.
  16. sam

    sam Well-Known Member

    to start getting automatic approvals instantly is certainly a great feeling! Totally!
  17. MikeG

    MikeG Well-Known Member

    I applied for the regular AA card and received %16.9 APR with 3K limit. I am off to planetfeedback to request a increase from Capital One. They have denied my last two requests because of the big increase I received in April. Maybe this will push them to my point of view. This and I paid the balance in full.

    Mike G.

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