r/citi

I was denied a Citi Strada Premier due to and I quote, "Your credit report shows too few accounts with balances".

I was a bit surprised because, before the hard pull I had: A 805 credit score (now 795), 70k income, 4 open accounts (one is an old medical OneCare credit card I haven't used since paying off Invisalign on it years ago), 3 active accounts with 7% utilization at the time, no late payments, 13 years of credit history, no hard inquiries since the two inquiries in September 2024 for a Capital One credit card and a Chase Sapphire.

I'm strongly considering writing a reconsideration letter (I've already heard how shit the Citi recon phone line can be) but am I missing something? Should I just accept my fate and the hard inquiry?

OK, I get it.

Credit card business defines what airlines are now. But if that is your business, you might expect it would be done with some degree of professionalism.

Not so in the transition from Barclays to Citi.

Zero meaningful communication so far no idea when a new physical card will actually show up web links to be set up on Citi are dead links more than 50% of the time.

Perhaps most critically, Citi appears to have more than one logon portal. When you set up your log on credentials, it does not propagate across these portals so setting up your log on won’t actually let you log on depending on which link Citi sent you.

There may be something Citi could do to make this more irritating right now. I can’t think what that would be.

760 credit score

trying to transfer 18k what cards are recommended