Further processing acronym for denial.

Umm obviously you're asking for money you don't have nor need because
you keep getting credit cards and you're trying to open up too many
accounts. Save ya money and buy it in full or let one of those other
credit cards go and close it cause you're asking for too much!

I was denied for a Citi Simplicity card and a Citi Forward card, so I
understand your frustration. My credit score was 669. I wrote to
Citi through PlanetFeedback a month ago and didn't hear back, so a few
days ago I sent a letter to the Office of the President in Sioux
Falls, because I've read that people have had luck getting a response
from them. All this being said, I don't think there should have been
so many "I wants" in your letter - it sounds like a kid in a toy
store. Citi doesn't owe anyone a credit card, and they won't give it
to you just because you tell them you want one. You need to persuade
them to reconsider. Something along the lines of "I'd appreciate the
reconsideration of your denial for the following reasons...." and then
list the reasons. At any rate, I hope you post any response you get
from them and I hope you have better luck than I did.

No more credit! It will come back to haunt you when least expected.Pay
off what you have.

of $10,000. No offense, but you don't need another credit card. You
need less. I'm guessing your combined amounts owing are in the high
thousands. Not a great way to live.

If it's any consolation, you're really not missing anything by not
having a Citi card. I've had one of their cards for years, and though
I usually pay the balance in full each month and have a very high
credit limit (that I didn't ask for), they continually deny or hold up
charges due to "suspected fraud". I once had my card suspended because
I charged gas in three different states in one day, driving home to
visit my mother. In no way should these have been suspicious
transactions that triggered a fraud alert; I had made the exact same
trip at least 10 times that year.

Also, it seems that a lot of creditworthy people are being denied
credit nowadays. One reason, I think is that banks are like spoiled
and frustrated children. They lose money in the markets through their
own risky betting, and take it out on consumers.

I don't think you know what "acronym" means and I don't think you know
that 661 is a low credit score.

661 is just a "good" FICO - not great. If you want to demand
approval, you need to get that up over 700-730

Someone doesn't know what an acronym is... Or what further processing
means.

It doesn't always mean denied. Sometimes it means just that, further
processing. There was a piece of data they couldn't verify immediately
and the will further process and verify.

As for your explanation, you'll get it after they've gone through the
further processing.

Nicholas G.,

The answer to your question is pretty clear:
-Fico is 661
-minimum payment
-medium low risk now
-3 major credit cards
-limits totaling around $3000
-1 major jewelers card with a limit above $7000

BillR.

Exactly how did you do your research?

Did you talk to other people *who had lower scores & worse credit to
debt ratios than yours were approved for the Citi Simplicity card*,
who told you that they received that credit card?

Did you find this information on the internet?

What is the website address?

I would love to find this magical website where it lists everyone who
got a credit card and what their credit is. Since everyone who says
they got denied says the same thing

"I did my research and others whom have applied with lower scores and
worse credit to debt ratios than mine were approved."

You haven't been denied yet.