citibank credit card got rejected
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Hi Dimers,
I have applied for citi card, it got immediately rejected after few hours of my application. I have good credit score around 780+. They sent mail as unable to approve the card due to internal reasons.
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Over the past, Citibank has been known to reject CC applications if you already have 3-4 credit cards or very high credit limit on existing cards. Doesn’t matter how good your CIBIL score is.
@rahmandime5678397 Which cc did you apply for?
citibank rewards card
Card score doesn’t matter. What’s on report? Queries/open lines/ card limits/EMIs/ outstanding loans/ loans to income ratio etc.
not having any EMI’s and loan. Only have more than 6 credit cards with higher credit limit.
Maybe thats because they’re wrapping up business here in India .
But in Amazon they are desperate to get customers
Is it necessary to have Citi savings account for improved chances of getting cc?
20 cibil enquires were done by different banks. citibank also done the same two days ago.
20 enquiries since when? So far 20 enquirie?or last 6 months enquiry?
if I appy paytm first card will they approve it, and will it work for paytm wallet load ?
PayTm First is another Citi card variant
They don’t collect salary docs or ITR, Approval is based on Experian score and your existing credit relationships
Nothing much is going to be different
Also banks have a limit for the number of credit card variants you can apply ( Like 1/2 in a 30day/60day period )
My application for the Citi rewards credit card has also gone down within a span of 3 days after I applied for it. I also hold 6 credit cards (Including AMEX) but never ever face any rejection from any credit card issuing company until I applied for CITI.
Don’t know how they do the verification check n all I tried my luck twice and got rejected both the time.
Citi would, 99% of the times, reject self employed. For salaried too they expect you to be a part of their corporate club. Don’t take the rejection too hard on yourself. It’s just the way Citi works.
How many cards do you already have?