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This Story Behind Citibank Credit Card Pre Approval Will Haunt You Forever! | citibank credit card pre approval

If you are looking to apply for a Citibank credit card, there are a few things that you should know before you submit an application. Citibank credit approval is dependent on a number of different factors. For instance, if you have had a history of late or missed payments, or any type of adverse account on your credit report, this will definitely impact your ability to be approved. This is also true if you have judgments against you in the past, have defaulted on loan payments in the past, or even if you have bankruptcies from the past.

Citibank is one of the most stringent lending institutions when it comes to approving loans and mortgages. So even if you have experienced a recent bankruptcy or a foreclosure on your home, the chances of having your application approved are not good. It is important that you make all of your payments on time in order to keep your credit score from being impacted. Otherwise, your application could be turned down by other financial institutions as well.

Before you even begin the application process, it is a good idea to look over the application requirements. Many people have problems with this part of the process, because they assume that the only credit card application they will ever submit is for a standard credit card, which is perfectly fine. What many people do not realize is that Citibank requires a lot more on credit applications than just a credit score.

They will want to see that you have a steady source of income. This is usually proven by proof of employment. If you have been recently laid off or have no job available, this is going to affect the amount of money you can expect to get on your loan. Your income should be steady enough to meet the monthly payment on your credit card. If it is not, your application will probably be turned down.

Citibank credit approval will also depend on what kind of credit account you have. There are several different types of accounts, but most have been given approval. Some examples of accounts are checking accounts, auto loans and mortgages. These are accounts that were specifically designed for consumers who have low credit scores. Most people who apply and are approved for these kinds of accounts end up paying a higher interest rate, but if you have the right type of account your approval could be much faster.

Citibank is known for approving high risk customers. Because of this, their approval process is often much quicker than those of other banks. You can expect to get a response within one to two weeks depending on the severity of your credit issues. Once you have been approved, you will receive a PIN number or a letter telling you that your credit card is now active. You will then need to call your Citibank agent to activate the card and make your first payment.

As you may have guessed, approval can take up to two weeks. This is because the entire process is being handled via phone. You are assigned a case worker who will be in contact with you throughout the approval process. This ensures that your concerns will be addressed properly and that you will not be left waiting while other people receive their credit cards. Once your application is approved you will be sent an activation notice. This will give you the opportunity to begin making your payment.

If you have applied at least once at Citibank you will likely get a card. However, it is important that you do not apply to every single bank because they may not approve you. It is always best to apply to several different companies to ensure that you are getting the best rates available.


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