Discussion in 'Credit Talk' started by dogman, Oct 18, 2000.

  1. dogman

    dogman Well-Known Member

    I obviously will be proof of this Citibank AA theory.

    I applied FRIDAY the 13TH! FULL MOON!
    (wolf howl in the background; wispy branches blowing in a dense fog).

    I dialed the great 301 number, talked to a Rep and was declined! She said it was declined due to past accts with Citi.

    I will receive the great notification in a day or two.

    I really do not believe a $9K AA card will
    follow. I also am an AA member already.

    Another inquiry - great.
    Obviously, if a citi card shows up, I'll post. What the hell.

  2. roni

    roni Well-Known Member

    Sorry to hear that Dogman. But you dont seem to need the card with your other citi account & AMEX and all. Sorry that you used up an inquiry with Citi.
  3. Momof3

    Momof3 Well-Known Member

    SORRY Dogman, I was pulling for you:(
  4. dogman

    dogman Well-Known Member

    thx Mom - CYA Citibank - sayonara Advantage!! :)
  5. Cadillac408

    Cadillac408 Well-Known Member


    Citibank wouldn't give my Dogman a card?

    DAMN Bastards!

    Oops...I can feel my APR suddenly rising <snicker>!
  6. Chet

    Chet Well-Known Member

    I applied the same day you did (and received the ("App being processed.....) response and have yet to find out my status.

    Did they say when they mailed out your denial letter?

    Sorry, just trying to build a little excitement for myself before I am *denied*.

  7. Cadillac408

    Cadillac408 Well-Known Member

    Hey...I heard....

    From my friend's neighbor's cousin's mom's sister who has a friend who's daughter works at Citibank and she said that she came across an application for this CHET person and supposedly put the application in a pile that's supposedly for appoved people!

    Is that enough excitement for you?

    I'll channel in to the credit gods in just a few and pray for you! :-D

    Please don't take me serious......I'm just trying to lighten things up around here. People have gotten way too serious way too quick!
  8. roni

    roni Well-Known Member


    I believe you asked a few days ago, which report that citi pulled in nyc. That would be transunion. Just found out.
  9. Chet

    Chet Well-Known Member

    Not me!

    I didn't ask but that's useful to know. It figures, Transunion is my worst report.

    Anyway, thanks love! ;-D

  10. curiouser

    curiouser Well-Known Member

    Sorry to hear that Dogman. I know it is of little consolation to you, but I've
    found Citibank to be the least
    forgiving of the major banks when
    dealing with past credit problems with
    their accounts. Here's my story. 'Lo
    many years ago (15 to be reasonably
    exact), I had a Citibank College Visa.
    Being 18 years old and admittedly
    irresponsible, I charged it up to the
    limit. Got behind on a few payments.
    One day my father fielded a collections call (not pretty.) My parents paid off
    the amount in full and I paid them at
    the same prevailing rate of interest
    that Citibank was charging. This
    account was 90 days late, but it was
    not a charge off. The 90 days showed on my credit reports, but so did that the
    account was paid in full and that the
    account was closed by consumer. I
    learned a lesson and once I was through college, I began building my credit.

    Two years ago (13 years after my first
    Citi experience), I received a
    pre-approval letter from Citi. I send
    it in thinking no problem. I have an
    Amex card (Green and Optima), Chase,
    MBNA, Next Card, assorted dept. store
    and gas cards. I have a good income, I
    own a home and I'm not overextended.
    Citibank denies me because of my past
    history with them. I call and am told
    that even though they were paid (not a
    collection agency, Citibank was paid),
    even though I am 13 years older and
    more mature and even though my credit
    rating is excellent, they won't open an account.

    Oh well, other banks are more
    interested in who I am now, not who I
    was 13 years ago. And you seem to be
    having that experience too. (Yay, Amex! I must say though as helpful as Amex
    was, you did the work.)

    For those who got the card, that's
    great. But for those who may be
    discouraged because you didn't.
    Citibank isn't the only bank in town.
    (Not the only prime or almost prime
    bank in town, either.)
  11. miles

    miles Well-Known Member

    Sorry the hear that Dogman, but you don't need them. You have something better. It's called. . . . .AMERICAN EXPRESS!
  12. dogman

    dogman Well-Known Member

  13. Cindy

    Cindy Well-Known Member

    RE: To Chet, was, Hey...I hear


    Well, as you may recall, I phoned up Citibank earlier this week and was told my application was declined. Today I received the actual letter. Funny thing was, the lady on the phone told me that they had used TransUnion, but the letter stated they pulled Equifax. (I am in Atlanta, GA, so I had expected Equifax...).

    HOWEVER, there were some folks who received their cards even AFTER they received similar letters, so I guess it's time to take this to St. Jude ;-) ;-)

    And, of course, I'll put in a good word for you as well.

    Cheers and Prosperity,
  14. Chet

    Chet Well-Known Member

    RE: To Chet, was, Hey...I hear


    Exactly what day did you apply? I applied 10/13 and have yet to receive anything.
    (I know it's a petty question, but just trying to keep hope alive for my *first* prime card).

    I know that the 301 Citibank number is in Maryland.

    Actually I know exactly where the building is and will be passing by their tommorrow (driving to MD from NY).

    Maybe I should stop in and say:

    Is my card ready yet? :)>B)

  15. cadman

    cadman Well-Known Member

    RE: To Chet, was, Hey...I hear

    Hey Chet, I received my denial letter today too. Mine doesn't indicate that they pulled a CR. They may have just used their internal records. Filed BK in 93 with a Citi included. The reason for them declining: "We are unable to approve your application. Our records indicated that you have filed for bankruptcy and your existing credit card account with us was included in that filing."

  16. Chet

    Chet Well-Known Member

    RE: To Chet, was, Hey...I hear


    If you don't mind - exactly what day did you apply?

    I applied 10/13.

    thanks a mill!

  17. sbburn

    sbburn Guest

    RE: To Chet, was, Hey...I hear

    on what date did you apply? i am also waiting to hear something and i also live in atlanta.
  18. sbburn

    sbburn Guest

    RE: To Chet, was, Hey...I hear

    lol-thats funnt chet!
  19. Cindy

    Cindy Well-Known Member

    RE: To Chet, was, Hey...I hear

    >chet wrote:

    >Exactly what day did you apply?

    I applied on Wed. the 11th, and called them earlier this week.

    >(I know it's a petty question, but just >trying to keep hope alive for my *first* >prime card).

    No problem! I completely understand. I miss those days when I had a wallet full o'primes. ;-) (I realize now, of course, that I should have had a smaller wallet).

    >Maybe I should stop in and say:

    >Is my card ready yet? :)>B)

    LOL! I would be tempted to do that if it weren't a 12-hour drive or so from here. Imagine, all the members of this board dropping in on them one day. Maybe it would help if we showed up with picnic lunches or kegs.

    Come to think of it, maybe I should just drive down to good ol' Equifax and ask them why the $#^$#%$#% they keep sending out all this dirt about me, because it is really putting a damper on my Christmas shopping.
    ;-) ;-) ;-)

    Cheers and Prosperity,
  20. Cindy

    Cindy Well-Known Member

    RE: To Chet, was, Hey...I hear

    Dear sbburn,

    See above reply. ;-)

    Cheers and Prosperity,

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