Student Visa Card Denied Unfair Reasons

Posted Fri December 9, 2011 12:29 pm, by estefany B. written to Citibank N A

Write a Letter to this Company  |  Rate this Company

Hello my name is Estefany I recently decided to apply for a CitiBank Student Dividend Visa Card and was denied . The reason for my denial was because i have limited credit history , which makes complete sense since I am just starting to create credit for myself. When speaking to numerous CR's i was told that my credit limit history would not be an issue since its a student card. What I am not understanding is how you have a website that promotes student cards for those who have average credit and credit history will not be an issue. Another reason I was denied was because I had a delinquent debt for when i started college which i ended up paying once i was able to work to pay it off. My debt was settled and at the time of my debt I was a college student who was just taken off insurance. I was told once my debt was paid I will be able to get a card because it will show as paid on my credit report which it has since I have spoken to them personally. Student cards state they are for students trying to build credit for themselves and this is what I am trying to do for myself,but I continue to take hard inquiries on my credit. even after i do the right thing and pay my debts off these banks still find something wrong to pick at. I would like to start building my credit and not have it based on things I had no control of, I believe i showed how responsible I can be by actually paying my debt which most people do not do.

I would like a recon because I believe I didnt get a fair opportunity.I would like Citibank to reconsider my application and help be create my credit , because I know I can show how responsible I am and now that I am going away to school it will be greatly needed.

Log In/Create an account | 3 comments

del.icio.us      Digg this

PlanetFeedback Comments are subject to strict terms and conditions. We reserve the right to deny site membership privileges to any individuals acting inappropriately.

You do realize by MA Bellamy Posted Mon December 12, 2011 @ 2:34 PM that every time you apply for yet another card, it dings your rating even more. It's very likely that whatever you increased your score by in paying off your debts, got eliminated with all these credit cards you are applying for. The only thing that truly re-builds credit is steady payments and TIME. You can't pay off your bills on Tuesday and expect to have good enough credit to open new cards by Friday. If it worked like that, everyone would just wait until they needed more credit to pay everything off and ignore their debts the rest of the time. Reply Re: Student Visa Card Denied Unfair Reasons by jeishere Posted Fri December 9, 2011 @ 1:52 PM Sorry, that doesn't sound like average credit since you already have s delinquency. Reply "The right thing" is to pay off debts before they become delinquent. by Steve OH (IO) Posted Fri December 9, 2011 @ 1:04 PM You are just starting out, and already have a black mark. You may have to wait this one out a little. For future reference, creditors don't really care why people are late with payments. Reply