Tried applying for the Citi Dividend card...

[shopbruin]

when i applied, they mailed me a letter asking for verification of my income, phone number and something else... i forgot what.

 

[BillyBatson]

no just some of the things need to be double checked and a proper credit limit chosen

 

[Baked]

Originally posted by: CRXican
I was approved instantly for the card.

What did you put down for income?

Don't think it has anything to do w/ your income. I think it has more to do w/ your credit history/score. I don't make 6 figure income, not even low 5 figure. I worked my way up from a $300 limit CitiBank VISA when I started college to a Diamond Preferred MC. Called in a couple months back to have them "down grade" it to a Dividend Platinum Select.

 

[LakerGod]

Originally posted by: CRXican
I was approved instantly for the card.

What did you put down for income?

I make in the k range. (just started working out of college).

I've had a credit card since i was 18 and built that credit to 5500. Never had a late payment on credit cards, bills, or student loans. I don't understand why i'd get rejected.

 

[manly]

Originally posted by: Baked

Originally posted by: CRXican
I was approved instantly for the card.

What did you put down for income?

Don't think it has anything to do w/ your income. I think it has more to do w/ your credit history/score. I don't make 6 figure income, not even low 5 figure. I worked my way up from a $300 limit CitiBank VISA when I started college to a Diamond Preferred MC. Called in a couple months back to have them "down grade" it to a Dividend Platinum Select.

I need to do the same; no idea why they "upgraded" me to the crappy Diamond card.

 

[LakerGod]

Originally posted by: BillyBatson
no just some of the things need to be double checked and a proper credit limit chosen

I hope that's the case. I don't plan on going buck wild with credit cards, i just want the 5% back on gas!

 

[Davegod75]

declined for the same reason...

 

[StageLeft]

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

 

[LakerGod]

Originally posted by: Davegod75
declined for the same reason...

Which reason? Using a cell number? Do they really use just that as the basis of the rejection? Is there anyway to call and change the number?

 

[rh71]

I have better credit/income than my wife and I got the 30-day message while she got instant-approved when she applied online right after me. I eventually got it.

 

[RossMAN]

Originally posted by: LakerGod

Originally posted by: BillyBatson
no just some of the things need to be double checked and a proper credit limit chosen

I hope that's the case. I don't plan on going buck wild with credit cards, i just want the 5% back on gas!

5% cash back on gas is nice.

We buy about $50/mo on gas which is roughly $2.50/mo which adds up over time.

 

[LakerGod]

Originally posted by: RossMAN

Originally posted by: LakerGod

Originally posted by: BillyBatson
no just some of the things need to be double checked and a proper credit limit chosen

I hope that's the case. I don't plan on going buck wild with credit cards, i just want the 5% back on gas!

5% cash back on gas is nice.

We buy about $50/mo on gas which is roughly $2.50/mo which adds up over time.

I live in Los Angeles and deal with traffic daily. We also have the most expensive gas in the country because it's "refined." Try $200 a month.

 

[kt]

Originally posted by: LakerGod

Originally posted by: RossMAN

Originally posted by: LakerGod

Originally posted by: BillyBatson
no just some of the things need to be double checked and a proper credit limit chosen

I hope that's the case. I don't plan on going buck wild with credit cards, i just want the 5% back on gas!

5% cash back on gas is nice.

We buy about $50/mo on gas which is roughly $2.50/mo which adds up over time.

I live in Los Angeles and deal with traffic daily. We also have the most expensive gas in the country because it's "refined." Try $200 a month.

Sad thing is he's not exaggerating the amount. I gas up 3 times every 2 weeks. Each visit will cost me about $30. So that's about $180 a month.. and my commuter car is a 4 banger too.

 

[Ketteringo]

I never get instant confirmations, but I always have gotten the cards that I have applied for

 

[cy7878]

probably just can't confirm the info you put in. Get a credit report to see if your address, and job info are correct. If the companies can't match your records, you can't get instant approval.

 

[erub]

i put in my cell number, got approved back in janurary..instant online approval too..i think my cell number is on my credit report from other credit cards..no real income (i put my college tuition down as income, hehe) still in college..and no i dont have the college student version

btw, does anybody know if Sam's Club Gas correctly is counted as gas? One thing I don't like about this card is it doesnt break down on the bill which purchases you are getting the 5% bonus on (my Chase Perfectcard used to put the gas into a special section)

also, no need to pay for a credit report, if they turn you down, you can get one for free..but they will probably approve you, even if they only give you a low limit

 

[qaa541]

I got the same deal from them. They said they would be contacting me within 30 days. I got my card in the mail less than a week later. Go figure.

 

[petejk]

i was in the same boat is you...they will call you probably within 1.5 weeks.

i got a citi dividend card

 

[LakerGod]

Good to know that a bunch of you still got the cards after not getting the instant confirmation. Do they ever call your work? I ask because i've been there less than a year and the information hasn't made it to my credit report. Will calling them to see if I can help the process do me any good?

 

[RossMAN]

Originally posted by: LakerGod
Good to know that a bunch of you still got the cards after not getting the instant confirmation. Do they ever call your work? I ask because i've been there less than a year and the information hasn't made it to my credit report. Will calling them to see if I can help the process do me any good?

Yes, they might need clarification on your rent, employment or other personal information.

CALL AND ASK THEM WHAT THE DECISION IS!

 

[LakerGod]

Originally posted by: RossMAN

Originally posted by: LakerGod
Good to know that a bunch of you still got the cards after not getting the instant confirmation. Do they ever call your work? I ask because i've been there less than a year and the information hasn't made it to my credit report. Will calling them to see if I can help the process do me any good?

Yes, they might need clarification on your rent, employment or other personal information.

CALL AND ASK THEM WHAT THE DECISION IS!

I will! :beer:

 

[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.

RossMAN, this number seems to be only for people who have an account. Is there another number that can be found or is there a way to bypass having to enter the 16 digit code?

 

[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.

RossMAN, this number seems to be only for people who have an account. Is there another number that can be found or is there a way to bypass having to enter the 16 digit code?

Dial that number and enter 0# repeatedly until they transfer you to a live CSR.

 

[LakerGod]

For any of you who actually care, somebody from CitiBank called me this morning asking me to confirm my address, social and the name of my company. Does this increase or decrease my chances?

 

[RossMAN]

Originally posted by: LakerGod
For any of you who actually care, somebody from CitiBank called me this morning asking me to confirm my address, social and the name of my company. Does this increase or decrease my chances?

WTF still no decision???