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I Was DOUBLE DENIED for a Citi Credit Card! (Don’t Make This MISTAKE…)

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Кадры I Was DOUBLE DENIED for a Citi Credit Card! (Don’t Make This MISTAKE…)

Описание I Was DOUBLE DENIED for a Citi Credit Card! (Don’t Make This MISTAKE…)

Коментарии I Was DOUBLE DENIED for a Citi Credit Card! (Don’t Make This MISTAKE…)

📲 MAXREWARDS - Use promo code “markr”br markscreditcardscom/maxrewardsbr💳👉 VIEW CREDIT CARD OFFERS!br markscreditcardscom/offersbr🛍 RAKUTEN - Earn Cash Back!br markscreditcardscom/rakutenbrbr⬆️ (More links in Description below video!) Comment from : Mark Reese // Credit & Finance

Does Citi approve anybody????? The denied me in October of 2022 for the Citi Premier after pulling from my Experian Credit ReportWhich my "Experian Report" is pretty good & my Experian Credit Score than was a "720" Comment from : Frederick Jones El

It’s amazing how they had his credit score higher on the paper they sent to him That’s how you know this whole Credit stuff need to be revamped It’s not accurate and it’s a stupid way that they do it Comment from : Ct Bt

I got approved and they also pulled Experian I live in Texas and Citi pulled Equifax all 3 times I applied for Citi cards in the past So I was surprised I was at 1 new account in 6 months and 2/12 at the time of application Definitely, the number of new accounts was the problem for you I remember the requirement for Citi Prestige and USB Altitude Reserve were 0/6 and 2/12 in new accounts I am sure Citi Strata elite will also have 0/6 and 2/12 requirement Comment from : TEXAS Secession

Y’all heard about the god tri fecta built/curve card? Comment from : william feliciano

What is the benefit of getting this card with so high AF? Comment from : Shazia Ijaz

Very instructive & informative Mark - thanks for sharing👍🏾 Comment from : NubiaRising

Does a mortgage count as an installment loan? Comment from : Lynette Colvin

Citi is really sensitive right nowbrI have been experiencing similar issues which I never have before Comment from : JICKS TV

I was approved for Citi premier and the offer was if you spend 4000$ in 3 months they offer 60000 points I got my card week ago and went to buy airfare online for 3 people and Citi blocked it Ridiculous Will close this useless card Comment from : Ronjoe Ronjoe

Balances to low in regards to your available limit might be a signal to them that you might not be a profitable costumer 😂 The CapitalOne version is, too many revolving accounts in your credit report 😂 Love seeing your application videos Mark! Keep up the great work 🫵 Comment from : Cesar Joel

Thank you for sharing your experience! So sorry to hear about your denial but I’m thankful for your transparency! brbrI strongly believe that it is the new accounts that caused you to be denied Citi for me has been extremely sensitive to new accounts and inquiries in the last 6 months I have 3 cards issued by Citi (Citi Custom Cash, Best Buy Visa and Best Buy Store Card) Anytime I ask for a limit increase and have more than 1 new account in the last 6 months I am denied Last time I got an increase on the Custom Cash I asked the month before at 2/6 on new accounts and got denied The next month I dropped to 0/6 and asked again and I got approved for the increase Not sure why they are so sensitive about it but they are Best wishes to you next time you go for this card! Keep up the great work! I love your channel! Comment from : jordan23ww

Sorry this happened Mark You win a lot You lose some Just the name of the game brI have Citi double cash, Custom Cash, Premier and AA Business card I applied about 6 month to a year apart between those cards (Because I was busy applying Amex and others) And I put a lot of spend on them, especially the Custom Cash Never carried a balance but I constantly spend up to the limit each month (limits are 6k to 20k in those cards) Not only do they send me new card offer letters but they constantly ups my spending limits So I say put some time in between applications, (Doesn't have to be as long as a year like me but 6 month or so) and put some expenses on their cards But What Do I know You have more cards than me!brThanks for the video! Comment from : Kevin S

Hey Mark, I had gotten approved Citi said my Experian score was 726 and I had 23 inquires prior to the application I also have 3 personal and 1 business card with Citibank Maybe my datapoints would intrigue you lol Comment from : Stephen Brown

It’s against the law for them to deny you your own credit… Comment from : rachel drinnon

Great I hope the strata is potentially good, but I read on doctor of credit is a coupon book akin to Amex Plat Comment from : trave764

I think the number one issue you’re running into is the recent accounts and inquiries Citi is very sensitive to those and having more than 0 or 1 of either within the last 6 months is a huge no go for them I just experienced this myself and am going to wait another month before reapplying so my accounts and inquiries age out a bit Comment from : Paul Hobus

Mark whatnis considered a large balance how much the amount Comment from : butterfly

Good video Btw I love the Citi Premier Such an underrated card Comment from : itsagreatday976

Thanks for making this video, great info I've had 1 citi card open for the last four years Also I am guilty of minimum spend on it Few charges every month or 2 to keep it active Iam curious on the new citi cards mentioned and also watching the Marriott and MGM partnership See if it's a good time to jump on one of the Marriott cards Comment from : Trizz T

I would normally suggest lowering credit limits prior to applying to improve exposure, but lord knows their algorithms are a mystery and it probably wouldn't matter Not to mention that, unlike Chase, Citi doesn't allow you to simply reallocate credit linesbrbrI'm already preparing for the Strata cards I've been gardening for a bit I see people applying for Bilt cards with no bonuses and I'm like "what???" 😅 Comment from : SolidLiquidFox

Woah even you have a low low credit limit on a card? 😱😱😱 i couldn't imagine you would since you talk alot about credit cards Comment from : Jessie Hernandez

It's a terrible card Comment from : Saangto Aikaa

Wow! I never thought I would see that happenbrbrYou getting denied for a card that I just got approved for? Wow! I thought it would have been the opposite LOL When I got approved for the card, I was absolutely shocked as I was expecting to be denied Comment from : Mathew McLean

I applied for a Citi card with all three credit bureaus locked and they only wanted me to lift my Equifax! For reference, I live in OklahomabrI hope this DP is helpful for someone!brbrCongrats on the product change! brbrLove your contentbrbr- Ivan Comment from : DJ October

I would have approved you Comment from : Paul Stein

Yep Comment from : rambo sidi

Basically you got denied because Citi knows you’re not a profitable customer Comment from : The TSA Guy

Those reasons for denial are just made up and useless The contradictiry reasons is just another proof Comment from : Kevin Hong

I've pretty much given up on Citi, I find them rather annoying I had gotten the too low balance nonsense as well a while back Comment from : Patrick King

I had the AA Executive card but downgraded Couldn’t justify the annual fee and their lounges aren’t the best Comment from : Robert Robinson

Welcome to the garden 😬 Comment from : Bryan Rich

I’m still kind of irritated with Max rewards I keep on trying to login to my Chase account and it will not let me login for some reason Comment from : Charles Wheat

i have 7 pulls on my Experian report i have their double cash and custom card which i use All the time i applied for the premier card and was approved for $20k if I did not use their cards on a regular basis I probably would have been the declined Comment from : kaw1980q

Haters Comment from : Big Jims American Dream

I was just denied yesterday for the Amex gold with 800 credit score and credit usage under 35 while making a decent amount of money 🤷🏻‍♀️ Comment from : Marie Casa

I was approved for the card, I was expecting to be denied due to being denied for the Citi Premier back in April Applied about two weeks before the new fee kicked in I have open about 4 accounts this year and to my surprise I was approved with a very nice limit I already had the Citi AA Platinum (sock card), my overall utization is 9 Comment from : Tony M Williams

My takeaway from this is that you never win with Citi Thanks for sharing Mark! Sorry you got denied 😢 Comment from : Stan The Credit Frog

How old was your newest card when you applied Comment from : Tariq Bukres

Another tip, Citi will not approve you if you have 0 balances on your cards, I know this when I got denied the first time for the Custom Cash at the beginning of the year Comment from : ethan rini

i got denied for citi simplicity with good credit etc Comment from : A B

I got the business card aa card Comment from : Kevin Blackman

High utilisation is considered above 75 for most banks The average consumer uses about 35 or less of their available lines, so I dont think any of your balances would be of concern, especially if the limits are on the lower side I think they meant "low balances in relation to available credit lines" as I've heard this denial reason many times before I reckon the recon rep was correct the first time Comment from : Boss Finch Financial

I just got denied for the Altitude Reserve due to high utilization They pulled Experian so I logged on and saw my score hasn't been updated since July 23rd Nasty little surprise Comment from : 1237

Same thing happened to me when i applied for a personal elevated offer on the Citi platinum aa card Tempted to apply for the business version but i doubt they will approve me When i called the reconsideration they were strict and rude Basically like did you read the letter? The ketter is the reason have a nice day good bye Comment from : Brandon Clark

Shitty Bank is very petty about too many inquiries If you have more than 6 inquiries in 6 months, you will be denied no matter what your score and credit looks like Comment from : Daniel Crotty

Mark you are honestly the best, i always look forward to hearing your stories and the credit cards that you apply for and why you do it I am happy that you were able to transfer for your card even though you weren’t able to get the bonus Comment from : Miles Music & Media

I was approved for this card, never came after two months, so I canceled it which was like pulling teeth! The lady refused to believe I would cancel it Comment from : onecleangti

Jeffrey Reese, plain and simple Too many inquiries!!! That's it!!! Comment from : Dannie Singletary

Citi is picky exact reason I just product changed to the Citi Premier instead of trying for it in the future Product changes are painless just voids a bonus but still seals the card you want! Comment from : ApplyBankCredit

Ahhh yes the famous (infamous) internal scoring system for Citi If I remember correctly its a 2500 point score and you need at least 1750 to get approved The approval score is higher or lower depending on which product you are applying for AND if there is a large bonus, that minimum approval score goes up Comment from : Boss Finch Financial

"balances are too low in relation to your credit lines" reason code means they KNOW you are bonus hunting :) though Citi does like to see some reasonable usage on your other credit accounts, typically 20-30 - the lack of installment loan info simply means either you already paid off a loan and its fallen off your report or you have never had a loan Banks like to see at least one installment loan like a mortgage or car loan etc as it shows you are able to handle diverse types of credit Comment from : Boss Finch Financial

You still my hero Mark Btw, I remember you had this beautiful card a few years ago Comment from : Leoprieto74

Hey Mark! Thank you for sharing your (not so great) experience with CitiBank They are one of the more risk adverse banks so Im not surprised they are tightening their approval guidelines I'm seeing a lot of people with stellar credit getting denied these days so its a minefield out there for anyone looking for a bonus Personally Im waiting for the banks to come to me and offer me a bonus (like amex recently did 🙂 mmm MR points) Hoping third time is the charm for you! Comment from : Boss Finch Financial

Can’t trust Reddit Comment from : Mason 美生

I appreciate you doing these application videos The past four cards I received, I carefully watched your videos first Thank you! Comment from : Ahnon Amos

In the end, I did a product change from my AAdvantage MileUp card (with no bonus) 😬 Comment from : Mark Reese // Credit & Finance

Saludos, brother desde Puerto Rico 🇵🇷 Comment from : Ray

I figured we’d hear about you applying for this card It’s a shame you weren’t able to get it I would have enjoyed hearing your opinion on the Admirals Club membership Comment from : Ryan

Mark, I’m worried about you Maybe you should step back and leave the game for a bit like Ben and myself did Comment from : Jason Kazama

Double oof Comment from : Spencer Hewitt

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