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I applied a couple of weeks ago for an American Airlines credit card online. I was not entirely surprised when I was denied, because even though I have no open collections on my credit reports, I do have a few things that have made my credit shaky.

Fast forward to today.

I get a phone call at work from someone at CitiBank, she apologized for calling me at work but she wanted to speak to me about the application for an American Airlines Citibank card that I had applied for online. Then she went on to say that the application was denied in error, and if I still wanted the card she would complete processing the application and I should have everything in a week or so. She never asked for any additional information, just asked me if I had any questions, and the entire call was about a minute.

So after I hung up I started thinking ... does any of this sound fishy? I didn't even write her name down so I feel like a total bozo, I shreded the application and everything so I have nothing to refer to until I get something in the mail next week (hopefully). Any thoughts?

Posted: Fri Jul 18, 2008 11:26 am Subject:

I applied for a Citi a few months ago and they called me at work the next day so I don't find it unusual at all. I was denied but I think you're OK.

Posted: Fri Jul 18, 2008 11:27 am Subject:

Oh these are the dings on my credit at this point ...

1: $326 tax lien that was my ex husbands from 12 years ago that I paid off 2 years ago when I found out about it. Wrote a "Goodwill" letter 7/9/08.

2. My cards are all maxed out. Need to make more money or husband needs to start getting paid before this will change.

3. Palisades are reporting a Paid in Full debt as "settled". Sent "Goodwill" letters to the Original Creditor (AT&T) and to the attorney that collected for Palisades on 7/9/08.

4. LVNV is the only creditor of a dozen or so that is still on my CR. The other companies all agreed to take themselves off when I paid in full, but not LVNV. Wrote a "Goodwill" letter 7/9/08.

5. My credit is in the low 600's, I didn't think it was bad but combined with all the other stuff, I guess it is just "one more thing".

Posted: Fri Jul 18, 2008 12:19 pm Subject:

If she didn't ask for any personal information, it probably was Citi just calling you at work to make sure that you really do have a job. I would wait and see what comes in the mail.

Posted: Fri Jul 18, 2008 12:28 pm Subject:

well I feel a bit better now, I will be running to the mailbox every day until it gets here, I am very curious about what the credit limit is and what the interest is going to be. I THINK that when I applied it was for a 0% interest rate until December or somthing, but I can't be sure and as I shredded the app I just don't know!

Well at least this all has put me in a much more cheery mood than what I was last week!

Posted: Fri Jul 18, 2008 12:39 pm Subject:

Just be careful that as soon as your husband starts his job, you start seriously paying down those credit cards. It's so easy to just pay minimum payments, always thinking that something else is higher priority!

Posted: Fri Jul 18, 2008 12:57 pm Subject:

definitely! I have learned such a lesson with all of this.

Posted: Sat Jul 19, 2008 4:01 am Subject:

4. LVNV is the only creditor of a dozen or so that is still on my CR. The other companies all agreed to take themselves off when I paid in full, but not LVNV. Wrote a "Goodwill" letter 7/9/08.

Personal experience is LVNV has no GOODwill on EVILwill. Whether you have paid them or not, they will report derogatory information the full 7.5 years. That's the hammer they use and if they do it for 1 consumer that would interfere with their "Mission Statement" which is something like " to Sodomize the American Citizen in every way we can to maximize our profit and keep us from beating our spouses and pets...". The only thing they understand is litigation. I've been going round and round with them for the last year and almost have all my ducks in a row to file against them.

Posted: Mon Jul 21, 2008 5:46 am Subject:

I'm afraid mine will be the same, but I am holding out hope! (fingers crossed and saying a dozen hail marys a day Smile

)

Posted: Mon Jul 21, 2008 7:49 am Subject:

Did you add a "limited C&D" to your Goodwill? If so, you will never hear from them.

Posted: Mon Jul 21, 2008 9:10 am Subject:

what is a limited C&D??? All these terms and abbreviations get me so confused!

Posted: Mon Jul 21, 2008 9:44 am Subject:

Limited Cease & Desist = asking them to only contact you in writing. Some creditors take that as a total Cease & Desist and cease all attempts to contact you.

Posted: Mon Jul 21, 2008 10:11 am Subject:

I've already paid the debt, so is that really an issue?

Posted: Mon Jul 21, 2008 10:12 am Subject:

Here's the emailed confirmation that I got this morning!

Dear xx:

Congratulations and welcome to Citi® / AAdvantage® American Express® card membership! Your account was approved on 07/18/2008 with a credit line of $xx. You should receive your new card and Card Agreement within a week.

If you do not receive your card within 10 days from the approval date, please call us immediately at 1-800-950-5114. For your convenience, we are here to serve you 24 hours a day, 7 days a week.

Once you receive your card in the mail, visit citicards.com to see if you have balance transfer offers available to you.

If you are interested in adding an additional cardholder, please call us at 1-800-950-5114 or go to citicards.com once you have received your card. We look forward to serving you for many years to come.

Sincerely,
R.M. Pick
Citibank (South Dakota), N.A.

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CitiBank made a mistake? Or was it something else??

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