If you have just applied for a Citi Bank credit card and have been turned down, don't worry, you're not alone in your disappointment. But don't give up hope yet, there are ways that you can go about getting approved for a Citi card in the future.
The first thing that you need to know is that there is a time frame that is required to get Citi pre approval. You need to complete your application before a certain amount of time has passed. If you wait too long, your chances of getting your card approved will be slim.
The next step to getting approved is to check out your credit report. You can do this by requesting a copy from the three credit reporting companies. All three of them have websites where they offer a free copy of your credit report. If you are a member of any type of consumer credit counseling program, you can also request a free copy of your report.
Next, contact the credit bureau that services your loan. Most of the big credit bureaus have websites where you can go to get a copy of your credit history. It's important that you call them right away and make sure that you are aware of what is on your report and what kind of credit you have. If you are having any trouble getting a loan at all because of poor credit, it is definitely time to check your credit report.
Finally, try to apply for Citi credit cards again in the future. This might seem like an impossible task but if you look at it in the right way, you can actually get a Citi card when you already have bad credit. You just need to know where to look.
Even though you can't meet the requirements right now, keep in mind that in the future you may. Once you can get your credit score back to where it should be, you will be well on your way to getting a credit card at Citi Bank.
If you are one of the many people that has had problems meeting Citi pre-approval, don't give up hope yet. There are some things that you can do to help improve your credit score. Some of these things include paying your bills on time, paying off credit cards that aren't being used, making all of your payments on time, and doing things like getting a credit monitoring service.
Don't give up hope just yet, even if you can't meet the requirements to get your credit back on track. There are ways that you can still get a Citi card. and improve your credit score. All you need to do is take action.
Check out your credit report. Get copies of your credit report from three credit bureaus and review it for mistakes that might not be showing on your report.