CITI Premier Approval after Recon -- sub 700 scores

Just got a call back from EO office. Was manually reviewed and approved after an instant denial online. Took a few days. EQ Score 669, about 5 late payments still reporting between 30 and 120 days late from 2 to 5 years ago (still 98% on time payments all together. no lates in last two years). about 9 or 10 INQs reporting on EQ, 1 paid collection from somewhere in 2012/2013 range (the account is way older, that's just when it reported as paid). Somewhere around 15% utilization total. My current citi card has 50% utilization, it's also my oldest account almost 9 years with perfect payment history. Hope this helps anyone thinking that Citi won't give you a chance.

Congrats!

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See Harm, this is why I am a BIG fan of your post!!! Also thank you John for responding as well. I have been wrestling with purchasing a new computer for months now looking for a CS5 CPU, trying to find the most economical purchase. The last computer I had bought was specifically for CS2 and I spent over $8500 dollars for it in 2006. A dual XEON 2.80 with Hyperthreading. Back then I thought I had a great machine, but now looking at what I paid for, i feel much wiser.
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I need Photoshop, Illustrator, Premier, and After Affects. Which plan would be cheapest?

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Hi jeffreycm123,
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CHASE MARRIOTT APPROVED AFTER VERIFICATION

Intially applied for the chase sapphier card but was declined for too many new accounts opened and I heard that we have to wait for 2 years if we got this reply from chase. So since I like travelling a lot I thought it made sense to only apply for the marriott card and I did just that. Did not get instantly approved, called the backdoor number and a young lady spoke and for a second put me on hold. Though a another decline, but was told to fax in my address proof since there has been a change in my address. Faxed the documents and got in touch with the verification department who said they did not receive my documents and the person said he would verify me on phone itself. Instantly approved for $5k.

I too was approved after address verification. I was told I would need to verify my PO BOX address.. but then I pointed out that my existing Freedom card had already been sending statements to the PO BOX address for a couple months. I was put back on hold and then a couple minutes later told I had been approved for $5k and can expect the card in 7-10 days. Seems Chase does a very thorough job on anti fraud. Congrats on your approval!

Approval after Flatfile Target Recon

Hi All,
I have a requirement wherein I need to fetch a few columns via Flatfile target recon. These columns could be User ID, Employee Group and Lastlogin date. My requirement is to disable the IDs which have been inactive for more than 30 days. I need to do this using flatfile recon. Till now, I have managed to configure the recon. I have also written a code which fetches the process data (Target Recon) and returns a flag for dormant ids. The problem is with the approval process. I need to send these ids for approval before they are disabled in OIM. As per my understanding, approval process does not work for Target Recon. The recon simply fetches the data and updates it in OIM without considering the approval process for the same Recon Resource Object. Is there any way by which the approval process can be triggered after the Target Recon has run?
Please suggest other ways of disabling such dormant ids with approval too.

use tcProvisioningOperationsIntf API.
public void addProcessTaskInstance(long plTaskKey,long plOrcKey)
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Use belo query to get MIL_KEY/plTaskKey before executing above method
String sqlquery="select mil.mil_key from mil,pkg,tos,obj " +
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"and obj.obj_name='<RO NAME>' " +
"and obj.obj_key = pkg.obj_key " +
"and tos.pkg_key = pkg.pkg_key " +
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while(rs.next())
ong milkey=rs.getLong("mil_key");
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From Denial to Approval without Recon.

I'm getting married in a few months, so we've been putting a lot of our expenses on various cards throughout the year and paying them off in order to get the points. Since our original budget has completely doubled, I thought I would apply for a no-interest for 15 months CC and put what we have remaining to pay for on it, and then pay it off over a few months after the wedding so we don't have to stress about pinching every penny right this moment. My first application was for the Citi Double Cash. I got the "We're sorry but we could not approve you at this time" message etc, and that I'll know the reason why in 7-10 business days. I was a bit surprised but then again I wasn't because I thought maybe I had reached my internal credit limit with Citi and just shrugged it off. Didn't bother calling them for a recon this time. I was just being lazy. So I applied for a regular Bank of America CC where I was instantly approved for 15k and 0% interest for 15 months. 4 days later (today), I check my email and I see a letter from Citi saying congratulations, I've been approved for the Citi Double Cash with a starting limit of 7800, and that the card is on its way. Has this ever happened to any of you with Citi or any other banks? First time for me. My score was in around the 750-780 range and my current util was/is 2% when I applied. If you've experienced this, could you explain to me how this may have happened? Do all application somehow go through a manual review by a real analyst even after an electronic denial?

davidsawsparks wrote:
kdm31091 wrote:
davidsawsparks wrote:
Unfortunately I'll only have use for the BofA one since it's a higher limit. I plan on using it until the 0% period is over, then I'm going to pay it off and transfer the limits to my other BofA cards and close this one since there isn't any rewards associated with it. In a way I sort wish Citi didn't approve me so I don't have to worry about a card that I won't really use... and I'm scared my overall limits are getting way too high and some of the other banks will closed my accounts. If Citi hadn't denied me originally, I wouldn't have applied for the BofA card. Oh well...Well, you already took the HP, so may as well try and use the Citi card a bit. If you close it right away, it was a total waste. While I cannot predict AA for you, I can say that generally, merely having the limits is not going to tend to be a problem. Most (but not all) AA is because of excessive "strange" spend i.e. MS, or huge balances with tiny payments, or big app sprees that result in quick spikes in amount of credit available etc. If your utilization is very low, huge limits being available can be a risk factor, but I don't think a creditor is going to spontaneously shut you down for it either, especially if the cards have been obtained over time (i.e. not in quick succession). While they certainly can, I don't think it happens as often as the other reasons. Credit limits vs income can be a factor in future approvals/denials because it will be looked at when you apply for new cards. However, I don't think many people are shut down on existing cards solely for having the limits available. But I also am not a credit analyst so YMMV.Let's hope they leave me alone... because I have no desires anymore to get any other card. I have all the ones I set out to get and now that I've reached my goal, I plan on staying in the garden for a VERY long time.That's what we all say til the next enticing thing comes around I know what you mean though. Heck, I only added 2 cards recently, Cash+ and DC and I still felt a bit nervous about it since they were like a week apart. I have no idea how people are comfortable adding 5-6 cards in a quick spree. To me you're begging for issuers to notice you and not in a good way. To each their own.

Is a mid 700 score possible with a charge off?

CreditCuriousity wrote:
I am breaking the 700 barrier with a slew of 120 lates, a few CO's.. So ya it is possible. TU04 is 735 atm, TU08 710ish.. All about 4 years olds+.. Only CRA that the 04 score score is higher than the 08 and no real difference on what is reporting.. very strange.. Other two are around 685-690 atm, should break 700 when a CA gets removed being a medical one sometime this week so EX/EQ should be greater than 700 and TU should hopefully go up as well with a slew of inquiries. Util 1% on 110k in credit. AAoA 4-6 years. Think the fairly thick credit file is helping me and long aaoa.Low 700's may be possible... after a few years. I don't see any chance of 750. What's exciting to me is the score possibilities when I have the Ch 13 PR and dozen IIB accounts all falling off at the same time. If I'm 670-680 with them still reporting after 6+ years... what kind of a score boost can I expect? I'm being generous when I say 70 points on each CRA... which would put me 750 across the board. I have 5 student loan accounts backdated to 2001 which will boost my AAoA quite a bit and hopefully offset the AAoA loss when the IIB accounts fall off.

CreditCuriousity wrote:
TRC_WA wrote:
CreditCuriousity wrote:
I am breaking the 700 barrier with a slew of 120 lates, a few CO's.. So ya it is possible. TU04 is 735 atm, TU08 710ish.. All about 4 years olds+.. Only CRA that the 04 score score is higher than the 08 and no real difference on what is reporting.. very strange.. Other two are around 685-690 atm, should break 700 when a CA gets removed being a medical one sometime this week so EX/EQ should be greater than 700 and TU should hopefully go up as well with a slew of inquiries. Util 1% on 110k in credit. AAoA 4-6 years. Think the fairly thick credit file is helping me and long aaoa.Low 700's may be possible... after a few years. I don't see any chance of 750. What's exciting to me is the score possibilities when I have the Ch 13 PR and dozen IIB accounts all falling off at the same time. If I'm 670-680 with them still reporting after 6+ years... what kind of a score boost can I expect? I'm being generous when I say 70 points on each CRA... which would put me 750 across the board. I have 5 student loan accounts backdated to 2001 which will boost my AAoA quite a bit and hopefully offset the AAoA loss when the IIB accounts fall off. I agree 750 isn't really possibly, but 700 for sure is as I am proof of this as well as many others... With that said score isn't everything as if I ever go into manual review then a UW can very well hold that against me or not even manual review it can see it and be a denial.. It is what is in the report, not the score.. Granted higher score usually equal better profile. Never dealt with a BK, so not sure what kinda boost you are to expect to be honest.. I know when my lates and CO's finally fall off I should be in the 750-780 range based on where I am now, can't get much higher without a mortgage. Just setting myself for the best possible situation in 3 years when the final lates / co's fall off unless somehow i can get them removed, but not likely with Sallie Mae (lates) and Cap1 being a few of the CO's... Also it is my student loans and 2 backdated amex's to 1990 that are saving my AAoA as all the cards you see in my signature are less than a year old and still 4-6 years AAoA.. thank god for those life lines Oh yeah I know score isn't everything. I was approved in December for a $6700 Sallie Mae with a 666 TU. My 16 months history with Barclay Apple card had more to do with my approval than my score... that and the fact I also had no new accounts or INQs in a year. I've seen 700+ people have to recon for the same card. I'm pretty confident I'll be 750+... the reports I've seen have been 60-90 point gains when BR public record/IIB accounts fall off. My cards will be 1-3 years old when my reports clear up... and I expect the same lifeline from my 2001 student loans. They only add up to about $5k total... but at $58 a month they'll be boosting my AAoA for quite a while. But anyway.... yeah low 700's is definitely possible with a CO... that has aged a bit. Anything recent will most definitely keep you in the upper 600's as I originally said.

DGF Citi ATT Approval and SPG amex Pending. What next to get..

So my GF just got her autoloan and a new car so we thought its a good time for an app spree.So far Approved for Citi ATT at 2k.SPG Amex is still pending.Thinking Arrival+ although the nerf is a bit upsettingmaybe another citi card. Possibly AAany other ideas? Chase is probably a no go. shes opened 2 cards with them past 6months (CSP and United).Her Fico is around 705EQ 700EX AND 715TU.
No baddies or anyhting like that.

Citi's computers take their time to update. So her new AT&T card may not even be factored into what the pre qualifier says. Kenny is right, I wouldn't test the waters with another Citi app immediately.
If she's pre approved with Cap1 even with the new card 2 months ago, is probably a good indicator she would be approved.
US Bank pre qualifier is next to worthless and unless you have some type of existing banking relationship with them, wouldn't even bother until scores are around mid-700.
She probably has a good shot at something from Barclays. Arrival+ probably has the best bonus from their offering. I never kept mine for over a year though so it depends on use and long term objectives if you want it for the bonus or for the long haul.

PO Awaiting Approval After Change

Hi Gurus,
We are on SRM 7.0ehp1 and ECC 6.0.
I'm new to SRM business.
In our case, requirement is created in backend and after approval it is transferred to SRM. RFx is created via sourcing application. After that, PO is created both in SRM system and backend systems using the RFx responses. There is no approval in SRM system.
Our problem is, when we make any change (except adding an internal note from notes and attachment part in header tab ) in PO, its status turns into 'Awaiting Approval' and backend document is not changed according to this. And after. that i get 'No work item ID provided' error messages when i try to edit the PO.
Thank you very much in advance.
Semih

Firstly, thank you for your interest.
Our suport package level is like this:
SRM_PLUS         700     0002     SAPKIBK202     SRM_PLUS for mySAP SRM
SRM_SERVER     700     0002     SAPKIBKV02     SRM_SERVER
BI_CONT         704     0000          -     Business Intelligence Content
SRM_EXPL         700     0002     SAPK-70002INSRMEXPL     SRM Extended Functionality for SRM_PLUS including PPS
SRM_EXT         700     0002     SAPK-70002INSRMEXT     SRM Extended Functionality for SRM_SERVER including PPS
Document status:
HEADER     I1015          Awaiting Approval              X
HEADER     I1021          Created
HEADER     I1038          Complete
HEADER     I1043          Ordered
HEADER     I1080          In Transfer to Execution Syst. X
HEADER     I1081          In Transfer to Planning Syst. X
HEADER     I1120          Change was Transmitted
HEADER     I1180          Document Completed
0000000001 I1021          Created

Couldn't help myself. Citi AA Approved.

I wasn't going to do it, but I was booking some tickets on AA and actually didn't think I'd be approved with Citi. But, I did and got a SL of $3500 with a World MC. The AF is Huge, and waived the first year, wish I would have read more carefully. But happy with the approval. Now that I know that Citi likes me (the score shown on the approval was 676) - should I apply for a "better" citi card like double cash? Thanks!

Congratulations!Sorry that I can't answer your question.

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ImaginaryFriend, I burned them in 2009 and they've approved three cards for me so far this year.

CITI Premier Approval after Recon -- sub 700 scores

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