May 22, 12, 9:57 pm
Recently applied for a credit card with sign up bonus, and have about a 750 score. They asked for a few verifications on my business, which I supplied the answerers for them. Now it has been 30 days and no response from them. Should I contact them by mail and or just let it drop and wait for another offer to come in the mail? What is the best stratagy? I have never been turned down on a card even doing churning for miles.
May 22, 12, 10:04 pm
Why don't you just call Citi and find out?
May 22, 12, 11:51 pm
Not uncommon for banks to lose apps or not respond. Not legal, but not uncommon.
No response within 30 days is a violation of Equal Credit Opportunity Act--meant to prevent banks' once usual way of discrimination against minorities, just not responding to apps.
You could file a complaint with the new Federal Consumer Financial Protection Bureau, http://www.consumerfinance.gov/, and maybe you should.
Can you prove you sent in the app? Screen shot? Not required, but can be very useful.