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

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.

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".

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.

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!

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!

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

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.

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

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

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

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.

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

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.