Hey y’all, just want to leave this DP over here.
I got denied for a Custom Cash a few weeks ago. I applied two days after getting approved for Chase Sapphire Preferred in person.
Ngl, being instantly approved for CSP made me feel a bit lucky and I thought I should roll the dice and apply for the Custom Cash, which I did the day after.
Experian: 764 (Pulled Experian)
Inquiries before applying:
Oldest account 6yrs and 7mo
Wells Fargo Active Cash (PCd from Platinum)
Discover It (PCd after graduating from Secured)
US Bank Cash+
Called recon line and they said the only problem for the denial was that I had too many applications within 5 days and she said that it was the banks decision and she couldn’t do anything about it.
Didn’t know that 5 day applications were an issue so I wanted to share here for people that might feel antsy or trigger happy when It comes to applying Citi.
The representative did suggest to wait 3-6months before applying again.