How long should we wait before re-apply? I Got rejected for platinum cashback around august last year

Better, Try it again 6 months (March 2013) later ...


This post has been edited by fly126: Jan 29 2013, 10:35 PM

I was never a Citibank customer, and I tried applying for their credit cards just last week.

Today, received an email from myesmail@citi.com with the title Welcome to Citibank Electronic Statement.

Does this mean my application has been successful?

i cant recall if that is the same email add for statements. Googled and #2: Citibank UK - Fraudulent Email

I advice you to call up citibank CS to ask about your application status.

This post has been edited by Human Nature: Jan 29 2013, 11:34 PM

Normally is 6 months only can be re-apply.

However, I have exp this before as I apply a bank of credit card but get rejected at first, 2 or 3 weeks after, I try to re-apply, I tot the bank wont approval anymore since I just got rejected, just try and see, but the bank has approve my cc application.

Not sure what is the policy of the bank.

Yes, your application is successful

i have a choice card...and bcos a fraud take place n i have stop the card...then i get the new choice card which look like the new reward card promoting now...dark blue...is this the new pattern or what?anyone knows about it?it.is totally different from the choice card i have previously which is silvery blue...

This post has been edited by cookies fashion: Jan 30 2013, 10:32 PM

http://forum.lowyat.net/topic/2586152/+300

no la....my question is not about that reward card....mine is choice card...but it looks like reward card....written choice on it....not reward....and the thing is,i cant find my choice card pattern in citibank website...maybe its a new design for choice card...

i got rejected after waiting 2 weeks . applied for citi platinum card. i got good payment history on ccris report. salary over the requirement. they asked me submit job offer letter, 3 months payslip because i got credit cards over 2 years. they called me last week for verification. found out thru CS that i just got rejected. why why why ? if not enough supporting docs , then call me ma， i can give you bank statement/epf. first stage , they said dont need. then now reject but never called me up to ask me to give stronger income docs. citibank no give face meh111

Get a Basic Card (Choice, Clear or Gold) 1st + a Bit of Luck & Try apply again Another 6 Months

i want apply basic card now. but can do immediately after case rejected?

Write Yourself a Appeal Letter sent to them / get Your agent appeal for You or wait another 3-6 months apply again
why So Rush, Needed the Credit Card....

Bank nowadays don't give reason for rejection.

My income > pre-requisite but they told me to come back next year. So as i said earlier, if you are not happy, then there's nothing you can do except to keep re-applying and wait for a better luck.

Besides, bank nowadays has weird ways to calculate the risk factor for one individual.

yes, this festive season is the best time to accumulate points over 50k points, as i always do on my other credit cards. but apply this card can get higher limit is more convenient for me. my family buys lots of expensive wine yearly, use my card lah. pay cash back

_____

This post has been edited by cookies fashion: Feb 1 2013, 09:43 AM

fly126, my first platinum card got reject . You know how that feel. If i try again 3 to 6 months , get same reject , more disappointed. Banks never tell what is wrong , reject problem either

Sure, but You still Got Others Bank Credit Card to Carry On isn't it...
Why go Hard Feeling with this...???

Actually, the Citibank CC not my 1st... before this I got 3's Credit Card already, I Not Concern or disappointed whether my application been rejected by Citibank or not, just that I have a Account with them so I try apply their Credit Card as a Backup only...

Cheers...

This post has been edited by fly126: Feb 2 2013, 01:12 AM

just my humble opinion - based on my past experience, standchart is the easiest foreign bank to approve yr cc ... after gotten it, use it for about 1 year, then try citibank - your success rate will be higher ...

if you can't even get standchart, go for local bank cc - any tom, d*** and cat's local bank will do ... after gotten it, use it for about 1 year, then go try foreign bank issued cc ...

but youngsters / freshie should note that cc is a loan shark dressed in bikinis - so don't get trap trying to be champion in accumulating points or buy un-necessary just to top your cash-rebate ...

always consider cc as a tool to help u when u don't have access to cash during emergency only ... if you can't help swiping cc non-stop everyday, then it's good to have very low credit limit cc ... using cash is not such a bad idea after all because you will stop buying if your ATM is out of cash ... if you don't / can't balance between using cash and cc, you're on your way to huge debts ...

and it's not wrong to have the very basic cc instead of platinum ... it's your spending habit that counts ... i've a silver citibank card since graduate and never plan to upgrade it (though many times citibank kept asking me to, to the extent they sent me pre-approved cards many times) b'cos i know i don't need a ferrari to travel from Sg Wang to Bukit Bintang

over time after u finished servicing yr housing and car loans (if u have any), any banks will approve your cc b'cos of your track record in credit history ... again, we're not in the cc spending competition so spend wisely ...

just my opinion ... cheers ...

Fyi, i got credit cards from local bank and yes, stanchart credit card too. Many many years already. Can bank know if i got a landed property, if that house fully paid by parents, and transferred ownership to me. Will they know i got property in my bank records? Even though i did not pay for the housing loan

This post has been edited by blakedexter47: Feb 1 2013, 06:42 PM