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electriclady

computerwoman wrote:

Hi all, my son applied for a citibank account on 31/01/07 the letter he got back went like this

Dear mr xxxxxxx

Thank you for your recent application for a citibank product,

We have started to process your application and will be in contact shortly if we need any more information and/or documentation to open the product. If we don't need any more information we will open your product as quickly as possible so you can start to take advantage of being a citibank customer.

If you have provided us with original copies of your personal documents, these are now returned to you with this letter.

If you have any questions about your application at any time, please call us on 0800 00 88 00

We look forward to welcoming you as a citibank customer.

yours sincerely,

account opening team.

this was dated 06/02/07

so when he got the next letter I felt sure it would be his pins, only it was not much to my son's dissappointment it was a decline letter.

the letter goes like this

Dear mr xxxxx

Thank you for your recent application for a citibank account.

We regret that after a careful review of the information provided, we are unable to approve your application at this time, as it does not achieve our minimum credit score requirement. Please refer to the enclosed leaflet (there wasn't one) for a full explanation of the credit scoring process and how you may obtain a copy of the information held about you at experian.

Should your circumstances favorably improve (we suggest that you wait at least six months ) and you would like to re-apply for a citibank account we would be delighted to re-consider your application.

please find enclosed the original documentation sent with your application, (there was none)

Yours sincerely

applications processing

you have the right to appeal against this decision if you so wish.
all appeals must be made in writing to:

Appeals Dept
Citibank International plc
Global Consumer Banking
PO BOX 49930
Hammersmith Grove
London
SE5 7XT

and thats that then, I dont know what they mean by check his credit score as he's never had any debt but maybe because he's not an the electrol roll and he needs to buff up a credit score so that its a good one, as if he hasn't had any credit he cant have a credit score I suppose, if you can understand what I mean although he did not apply for the o/d they still did a check on him, wow
hope this helps anyone, and clears up any doults with letters,
oh well its not all bad news he can re-apply, but I dont think he's all that bothered really, as he has his switch card and is quite happy with that, it was me really saying he could make some money through quidco guess he wont get that now, and the fact that he is coming up to 21 and should have an adult account and not a mickey mouse account, anyway hope this helps,
cw

OH NO! GUTTED! I received the first the letter on monday which was really positive............I have a really bad credit score so doesn't look like I'm going to get the account. oh well thats life i suppose :-(

mariusvb

electriclady wrote:

OH NO! GUTTED! I received the first the letter on monday which was really positive............I have a really bad credit score so doesn't look like I'm going to get the account. oh well thats life i suppose :-(

Dont worry, you might still get it. I think CW's son didn't get it, because he doesn't have any traceable credit history.

electriclady

mariusvb wrote:

Dont worry, you might still get it. I think CW's son didn't get it, because he doesn't have any traceable credit history.

I hope so but I do have 6 defaults and a ccj...............eek! :eek:

Tori_Bellatrix

mariusvb wrote:

Dont worry, you might still get it. I think CW's son didn't get it, because he doesn't have any traceable credit history.

Just to throw a small spanner in the works ... I didn't have a traceable credit history and I still got it .... Although I am on the electoral roll at my current address but not my previous address and I don't have any loans, cards, overdraughts etc....

electriclady

Tori_Bellatrix wrote:

Just to throw a small spanner in the works ... I didn't have a traceable credit history and I still got it .... Although I am on the electoral roll at my current address but not my previous address and I don't have any loans, cards, overdraughts etc....

Ar well.........it seems pretty impossible to predict whether I will get the account but I'm now swaying more towards the fact that theres no chance. Oh well its not the end of the world, its just a bank account.......although it would have come in handy

Tori_Bellatrix

electriclady wrote:

Ar well.........it seems pretty impossible to predict whether I will get the account but I'm now swaying more towards the fact that theres no chance. Oh well its not the end of the world, its just a bank account.......although it would have come in handy

I think you're right ... There doesnt seem to be a set criteria so it is hard to say one way or another ... To be honest I didnt think I'd get it so was gobsmacked when I received my welcome pack .... Trouble is, the waiting game is so hard ... :undecided

electriclady

Tori_Bellatrix wrote:

I think you're right ... There doesnt seem to be a set criteria so it is hard to say one way or another ... To be honest I didnt think I'd get it so was gobsmacked when I received my welcome pack .... Trouble is, the waiting game is so hard ... :undecided

Yeah its awful isn't it.........lol. When did you get your account and how long did it take to come through?
I got the same letter as computerwomans son on monday

Tori_Bellatrix

electriclady wrote:

Yeah its awful isn't it.........lol. When did you get your account and how long did it take to come through?
I got the same letter as computerwomans son on monday

Not long ago ... Received ID back on 27th Jan and Welcome Pack on 31st Jan ... then about a week and a half later to get card and PINS through ...

I do think they have got busier though over the last month judging by some of the posts I've seen ..

less2303

Reading between the lines on this, I looks like they have had a push or promotion, and set a target number of new accounts at the same time as relaxing the criteria.

Now that they have reached that number they may have reverted to the normal checking procedures.

Thats one theory anyway!

electriclady

Tori_Bellatrix wrote:

Not long ago ... Received ID back on 27th Jan and Welcome Pack on 31st Jan ... then about a week and a half later to get card and PINS through ...

I do think they have got busier though over the last month judging by some of the posts I've seen ..

Thanks..........well i will keep everyone posted. I just don't understand how they can send such a positive letter out then decline people, in the letter there is no ifs or buts it just sounds like you will have the account opened.......my mum received the same letter as i am trying to open one for her too.

I will let everyone know how i get on.......:o