Tried applying for the Citi Dividend card...

[LakerGod]

The site said that there would be an instant response when you reply, instead I got the "we'll send you an answer in 30 days." Does that usually mean it's a rejection?

 

[Tool]

no it doesn't....sometimes they just need to further check some of the info you submitted.

 

[LakerGod]

Originally posted by: Tool
no it doesn't....sometimes they just need to further check some of the info you submitted.

So they may actually call my work? Or do they usually do a credit check?

 

[middlehead]

Originally posted by: LakerGod
The site said that there would be an instant response when you reply, instead I got the "we'll send you an answer in 30 days." Does that usually mean it's a rejection?

You did get an instant response

That said they'd respond again in 30 days

 

[RossMAN]

Usually it means you're declined but sometimes you can still get approved.

I would wait until 24 BUSINESS HOURS after you have applied then call them at 1-800-950-5114.

 

[LakerGod]

Originally posted by: RossMAN
Usually it means you're declined but sometimes you can still get approved.

I would wait until 24 BUSINESS HOURS after you have applied then call them at 1-800-950-5114.

That sucks, i've had a credit card for 6 years and i've never made a late payment. I just started working out of college.

How will calling help? Will it just get me the quicker response or is there something I can do to help my case?

 

[RossMAN]

Originally posted by: LakerGod

Originally posted by: RossMAN
Usually it means you're declined but sometimes you can still get approved.

I would wait until 24 BUSINESS HOURS after you have applied then call them at 1-800-950-5114.

That sucks, i've had a credit card for 6 years and i've never made a late payment. I just started working out of college.

How will calling help? Will it just get me the quicker response or is there something I can do to help my case?

Calling won't help unless they need clarification on something. Calling will however give you a faster decision than waiting 2-3 weeks for a letter to arrive. Unless you like waiting?

 

[UNCjigga]

What does this card do special?

 

[Black88GTA]

I applied for that one....I was declined because I didn't have a land-based phone line :roll:.

I said FU Citibank and applied for a Chase Ultimate Rewards Platinum card and got it with no problems...then a few months later, I got an envelope with the Citibank card in it anyway

 

[LakerGod]

Originally posted by: RossMAN

Originally posted by: LakerGod

Originally posted by: RossMAN
Usually it means you're declined but sometimes you can still get approved.

I would wait until 24 BUSINESS HOURS after you have applied then call them at 1-800-950-5114.

That sucks, i've had a credit card for 6 years and i've never made a late payment. I just started working out of college.

How will calling help? Will it just get me the quicker response or is there something I can do to help my case?

Calling won't help unless they need clarification on something. Calling will however give you a faster decision than waiting 2-3 weeks for a letter to arrive. Unless you like waiting?

Nope.

 

[LakerGod]

Originally posted by: Black88GTA
I applied for that one....I was declined because I didn't have a land-based phone line :roll:.

I said FU Citibank and applied for a Chase Ultimate Rewards Platinum card and got it with no problems...then a few months later, I got an envelope with the Citibank card in it anyway

What the hell?! I put in my cell number where it asked for a 'home phone'. Why is having a landline so important? You think that could be a reason why i'd be declined??

 

[Black88GTA]

Originally posted by: LakerGod

Originally posted by: Black88GTA
I applied for that one....I was declined because I didn't have a land-based phone line :roll:.

I said FU Citibank and applied for a Chase Ultimate Rewards Platinum card and got it with no problems...then a few months later, I got an envelope with the Citibank card in it anyway

What the hell?! I put in my cell number where it asked for a 'home phone'. Why is having a landline so important? You think that could be a reason why i'd be declined??

It was for me. I applied for it maybe 8 months ago with my cell number, and got a letter saying that they were "unable to verify my information" or some crap, and it gave me a phone number to call. I called it, and they said that they don't accept customers without a landline. So I hung up, filled out an app for the Chase card, and had it the next week.

 

[RossMAN]

Originally posted by: UNCjigga
What does this card do special?

http://www.citibank.com/us/cards/cardserv/divplat/index.jsp

• It's CitiBank.
• VISA and MasterCard are more widely accepted than Amex and Discover are.
• The usual VISA or MasterCard card benefits including FREE 1 year extended warranty.
• $0 annual fee.
• 0% APR balance transfer for 12 months
• Low interest rate if you have decent credit.
• Nice online banking interface with the ability to make same day payments for free.
• If you have $1500 to spare for 6 months, you can get $150 for free if you agree to billpay.
• CitiBank Virtual Account Numbers rocks, one time use cc's (like Amex used to have)
• 5% rebate on gas, grocery store and drug store purchases
• 1% rebate on all other purchases
• Because I fscking said so!

:thumbsup:

 

[RossMAN]

Originally posted by: LakerGod

Originally posted by: Black88GTA
I applied for that one....I was declined because I didn't have a land-based phone line :roll:.

I said FU Citibank and applied for a Chase Ultimate Rewards Platinum card and got it with no problems...then a few months later, I got an envelope with the Citibank card in it anyway

What the hell?! I put in my cell number where it asked for a 'home phone'. Why is having a landline so important? You think that could be a reason why i'd be declined??

I don't have a landline either (I used my cell phone number when I applied).

 

[LakerGod]

Originally posted by: RossMAN

Originally posted by: LakerGod

Originally posted by: Black88GTA
I applied for that one....I was declined because I didn't have a land-based phone line :roll:.

I said FU Citibank and applied for a Chase Ultimate Rewards Platinum card and got it with no problems...then a few months later, I got an envelope with the Citibank card in it anyway

What the hell?! I put in my cell number where it asked for a 'home phone'. Why is having a landline so important? You think that could be a reason why i'd be declined??

I don't have a landline either (I used my cell phone number when I applied).

Well i'm really bummed...i was really looking forward to this card. I live in los angeles and i spend a ton of money on gasoline...5% would have been a really nice gift.

 

[OulOat]

Originally posted by: RossMAN

Originally posted by: UNCjigga
What does this card do special?

http://www.citibank.com/us/cards/cardserv/divplat/index.jsp

• It's CitiBank.
• VISA and MasterCard are more widely accepted than Amex and Discover are.
• The usual VISA or MasterCard card benefits including FREE 1 year extended warranty.
• $0 annual fee.
• 0% APR balance transfer for 12 months
• Low interest rate if you have decent credit.
• Nice online banking interface with the ability to make same day payments for free.
• If you have $1500 to spare for 6 months, you can get $150 for free if you agree to billpay.
• CitiBank Virtual Account Numbers rocks, one time use cc's (like Amex used to have)
• 5% rebate on gas, grocery store and drug store purchases
• 1% rebate on all other purchases
• Because I fscking said so!

:thumbsup:

How do you go about claiming the extra one year warranty? File claim with manufacturer or Citi?

Also, you forgot online virtual credit card numbers with $ and time limit

 

[HardcoreRobot]

thats what they told me, twice. ive been rejected every time. according to experian my credit is 780 too. assheads

 

[RossMAN]

How do you go about claiming the extra one year warranty? File claim with manufacturer or Citi?

Neither. VISA or MasterCard

Also, you forgot online virtual credit card numbers with $ and time limit

I did? Re-read my entire post.

 

[OulOat]

Originally posted by: RossMAN

How do you go about claiming the extra one year warranty? File claim with manufacturer or Citi?

Neither. VISA or MasterCard

Also, you forgot online virtual credit card numbers with $ and time limit

I did? Re-read my entire post.

Oh damn. Blah, anyone can get $200 now

 

[RossMAN]

Yeah I just saw the $200 offer.

I'm going to apply for that, so is my wife.

Plus the two $150x2 Schwab VISA GC's.

That's $700 free coming our way

 

[OulOat]

You sure it work if you already have a EZ checking account with them? I only ask you this because you are the Grand Nagus and I assumed you already got in on either the IPod deal or the earlier $200.

 

[CTrain]

Originally posted by: UNCjigga
What does this card do special?

Citibank rocks so much that I can't find words to describe it.

I don't know of any other CC that will give you a 0% balance transfer(that will send you a check in that amount) for the life of the balance and no FEE.

Basically in simpler term....its a 0% interest loan that require just the minimum payment every month.
I already got a $15,000 check that all I have to do is pay the minimum payment every month. It will take me 5 yrs to pay it off with paying the minimal payment and its still 0% interest.

BTW...not all Citibank member will get this offer. I've only heard of 1 or 2 others that have recieved this offer.

 

[RossMAN]

Originally posted by: OulOat
You sure it work if you already have a EZ checking account with them? I only ask you this because you are the Grand Nagus and I assumed you already got in on either the IPod deal or the earlier $200.

Nope it's only for new CitiBank checking customers (I haven't applied yet).

Last year the minimum for the $200 was $2500 a little too rich for my blood, $1500 is more like it.

 

[CRXican]

I was approved instantly for the card.

What did you put down for income?

 

[jonnyjack]

great credit card...i use it exclusively. if only they gave the cash rebates every month like my old chase card did.