Credit Tips: How can I check the status of my credit card application?

Posted On: January 1, 2005

Author: Guest
Posted: Wed Apr 14, 2004 2:07 am
Post subject: Citi card application

Verne, N.S, or Ira, I applied Citi Plat card and I wasn’t approved instantly. They will respond my application in two weeks. How can I check the status of my application? Verne, could you tell me about your experience to Citi card application? I really want Citi card because they always denied my applications several times. You know, the harder to get approved, the more I want that card. What should I do? Thanks guys.

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Author: Guest
Posted: Wed Apr 14, 2004 4:40 am

Well, you could always wait two weeks like they asked you to. There are ways to check (call and ask, for instance), but all you’ll find out is that your application is being processed and you’ll hear within two weeks, which you already know, so why bother? As with so many things in life, you can’t circumvent the process.

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Author: Verne
SENIOR MEMBER (Member for 2 yrs.+)
Joined: 14 May 2003
Posts: 487
Location: Midwest
Posted: Wed Apr 14, 2004 8:13 am

I applied online for Citibank Illumina and was not approved instantly. Three weeks later I received a rejection letter citing: “obligations are too high in relation to stated income”. I knew I should have included my “can” money. At the time my scores were 710-735 range, 18 year credit history, and, of course, no derogs. For comparison, Bank of America approved me for their card and GM was giving me credit limit increases a couple years earlier when I was in worse shape.

Verne
Any agreement that can be changed at any time, for any reason, is no agreement at all.

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Author: NightStar
Forum Moderator
Joined: 07 Nov 2003
Posts: 2132
Location: Illinois
Posted: Wed Apr 14, 2004 2:03 pm

Think I had to wait for approval by mail, but applied online. I vary on my balances, my scores where in the high 600’s to low 700’s range.

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Author: Guest
Posted: Wed Apr 14, 2004 3:21 pm

N.S I did exactly what you did. We will wait the response letters. I have WaMu Plat card with 7.99% APR but I want the card with Citi logo. Did you get the instant decision? I did not get the instant decision and I think I might not be approved. We’ll see.

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Author: Eugene
SENIOR MEMBER (Member for 2 yrs.+)
Joined: 14 May 2003
Posts: 265
Location: Brooklyn, NY
Posted: Wed Apr 14, 2004 4:14 pm

Whenever I get an itch to know if I am approved before the card comes in the mail (which is always when I apply for new credit), I call the issuer and ask over the phone. They might ask you how long ago you applied, don’t go into details and just brush it off with “Oh, I don’t remember exactly.” If they made the decision, they will tell you.

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Author: NightStar
Forum Moderator
Joined: 07 Nov 2003
Posts: 2132
Location: Illinois
Posted: Wed Apr 14, 2004 4:41 pm

Think I called in before the approval showed up in the mail. What I have is the Platinum Select 0% balance transfer till 9/2004 and after that think 9.9% interest rate. Best deal I have had yet, wish I would see the lower interest rates I keep seeing others post about. But I am still happy and have already taken advantage to move balances over. Now is just a mad race to pay what I can before the interest rate goes up, but still it is a far cry better then the 21% account that I just dumped.

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Credit Tips: How can I check the status of my credit card application?

Posted On:

Author: muffin500
Joined: 17 Aug 2004
Posts: 3
Posted: Tue Aug 17, 2004 9:38 am
Post subject: Orchard Bank

I applied for Orchard Bank online and this is the message I received- “We are sorry but we are unable to provide the status of your application. You should receive a written application status in the mail shortly.’ Do this mean a denial in a nice way?

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Author: NightStar
Forum Moderator
Joined: 07 Nov 2003
Posts: 2262
Location: Illinois
Posted: Tue Aug 17, 2004 5:45 pm

Not always, will have to wait for written correspondence, otherwise you can call customer service for them to give you answer sooner.

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Author: Board Monitor
BOARD MONITOR-ADMINISTRATOR
Joined: 05 May 2003
Posts: 461
Posted: Wed Aug 18, 2004 7:53 am

Hmm…strange. Haven’t heard of this one. Have you tried calling the technical support line for online applications? If not, the number is: 1 (877) 277-0948 6:00am to 5:00pm PT Monday-Friday. Please let us know what you find out and thanks for the post.

Best Regards,
Curtis Arnold
Board Monitor
U.S. Citizens for Fair Credit Card Terms, Inc.
http://www.cardratings.com
501-663-0314 PH 501-301-8474 FX

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Author: muffin500
Joined: 17 Aug 2004
Posts: 3
Posted: Wed Aug 18, 2004 10:11 am

Do you think this have something to do with including Orchard Bank in my Chapter 7 BK?

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Author: Board Monitor
BOARD MONITOR-ADMINISTRATOR
Joined: 05 May 2003
Posts: 461
Posted: Thu Aug 19, 2004 7:11 am

Definitely a possibility. Did you disclose this in their online application questionnaire (MasterCard Selector)? Let us know how things turn out…

Best Regards,
Curtis Arnold
Board Monitor
U.S. Citizens for Fair Credit Card Terms, Inc.
http://www.cardratings.com
501-663-0314 PH 501-301-8474 FX

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Author: muffin500
Joined: 17 Aug 2004
Posts: 3
Posted: Thu Aug 19, 2004 7:15 am

I did not see the questionnaire you are speaking of, but thanks for the info. I wil keep you posted. By the way I applied on the 8th and haven’t received anything in the mail yet.

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Author: Board Monitor
BOARD MONITOR-ADMINISTRATOR
Joined: 05 May 2003
Posts: 461
Posted: Fri Aug 20, 2004 7:45 am

You can check on your application status online I believe or give them a call.

Best Regards,
Curtis Arnold
Board Monitor
U.S. Citizens for Fair Credit Card Terms, Inc.
http://www.cardratings.com
501-663-0314 PH 501-301-8474 FX

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