"Declined"
Citi® Hilton HHonors® Visa® Signature Card Review
Written by: dm on 2009-10-21
Overall Satisfaction
Customer Service
Rewards
Account Management
Delivery Time
dm's review: 
Received a preapproval to "complement" my Citi Aadvantage American Express. They pulled Experian and I was declined for "too many accounts showing balances." I guess all of my balances under $100 on store cards made them nervous. I'll reapply in 6 months. The rewards look pretty good and I stay at Hilton properties 5-6 times per year. Not an instant decline. Received a call from underwriter the next day to verify identity and income.
Asked to be considered for the non-signature Gold VISA, but no go.
Received a preapproval to "complement" my Citi Aadvantage American Express. They pulled Experian and I was declined for "too many accounts showing balances." I guess all of my balances under $100 on store cards made them nervous. I'll reapply in 6 months. The rewards look pretty good and I stay at Hilton properties 5-6 times per year. Not an instant decline. Received a call from underwriter the next day to verify identity and income.Asked to be considered for the non-signature Gold VISA, but no go.
3 Comments
Comment 1 by meya
Re: Declined 
on 2009-10-22
Sorry to hear this. I think you should just hold on for at least a yr before applying for more credit. How many inq's do you have so far?
on 2009-10-22 Sorry to hear this. I think you should just hold on for at least a yr before applying for more credit. How many inq's do you have so far?
Comment 2 by dm
Re: Declined on 2009-10-24
Only 3 inquiries this year. Need to pay down some balances before applying again.
on 2009-10-24 Only 3 inquiries this year. Need to pay down some balances before applying again.
Comment 3 by wanderer
Re: Declined on 2009-11-06
Sorry about the decline. Thanks for the heads up on balances.
on 2009-11-06 Sorry about the decline. Thanks for the heads up on balances.
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Disclaimer: This content is not provided by Citibank. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Citibank. Review content is powered by Finance Globe.
