I was hesitant to apply for a Citibank card because I defaulted in 1989 on a card when I was in college. My current file is as follows: FCNB $500/$190 balance: R1 since 6/00 Providian $950/$155 balance: R1 since 9/00 Orchard $1000/$300 balance: R1 since 11/00 2 small collections, over 3 years old - they can be paid off at any time. I am sure that I can negotiate the removal. Citibank denied me when I applied for an AAdvantage card. I requested written reasons, and I received the following: 1) Insufficient # of satisfactory credit references. 2) Total number of installment / revolving credit lines. I can understand if I was denied because of prior history, although I was hoping it might have been forgotten. The reasons that they stated seem to be contradictory. How should I proceed, if at all. Any help is appreciated.
Your positive accounts aren't very old. They may have a minimum credit requirement and used generic denial reasons on the statement they sent you. CF
Banks keep their own internal records... for a long time. Kat http://creditexpert.tripod.com/home.htm
fng, I think that you cannto apply for Citibankcard until your negative accounts came off from your report. By the way Citibank may not remember you got default account with them bak in 1989 because I got default account in 89 and it came from the credit report and internal records from Citibank. I got three Citibank accounts with them right now. Don't worry as soon as the negative account came off from your reports you can have Citibank cards like mine. I like Citibank because they have a good cutomer services. Ron.
If they had you in their system, you would have been denied outright BEFORE they pulled a credit report. The reasons you listed show that they have pulled a credit report and evaluated your application for things on your report, not your previous history with them. If your old account was the reason your denial would have stated, "Citibank records show that a current or previous account was seriously delinquent". And EVEN IF that were the reason, there is a way to get around that. Just call 1-301-733-5501, press "1", and ask to speak with a supervisor to have the automatic ban lifted and the application processed. It CAN be done. I did it twice. Marci
