Originally Posted by
MrHalliday
I applied online for Citi card, and yesterday received email
saying I too was denied for too many enquiries.
I can see my credit report,
it does seem I have applied for a lot of AMEX cards
,
and AMEX keeps handing them out to me
despite what I have read about limit of 3 or whatever.
How long should I wait before re-applying?
Thanks in advance.
MrHalliday,
First, do not accept the initial denial. As with all Citi denials, contact the applications department and follow up on the exact reasons. Confirm the denial was correct. NEVER accept the denial from a first line Customer Service Rep, always speak to a supervisor, and be firm, but nice with the Supervisor. A CSR never changes a rejected application, only a supervisor can do so (general guideline).
Second, please post the exact number of hard pulls from the three agencies in the last six months.