New The Citibank Club

khurammm

Yes I agree those who got rejected for the plus account should try for the access account, may be 2nd time lucky.;)

s1h

It doesnt make any sense to me why would you be accepted for one and not the other? Surely the only difference is that one has a monthly fee with additional services.

Im really seriously thinking about cancelling my application.

Citibank seem like a right bunch of cowboys, doesnt seem like they have any straightforward criteria. It also sounds like they make it up as they go along.

colagirl

thanks khuramm think i will apply, is it better to apply on your own, me an hubby have joint account at mo, is it true we'd get a switch card, at moment we had overdraft and card taken off us plus cheque book, i hate having to use solo card all time !

khurammm

s1h wrote:

It doesnt make any sense to me why would you be accepted for one and not the other? Surely the only difference is that one has a monthly fee with additional services.

Im really seriously thinking about cancelling my application.

Citibank seem like a right bunch of cowboys, doesnt seem like they have any straightforward criteria. It also sounds like they make it up as they go along.

As stated before citibank considers the applications on individual basis i.e there is no computer which will directly say yes or no. If they think you are worthy they will give you the account otherwise reject you and every bank has the right to do so, what so ever their criteria is.

DevonLad21

s1h wrote:

same as me. Did you wait long between getting declined for the monthly fee account and the standard one?

no lol i applied again as soon as i got the letter to say i was declined

Tori_Bellatrix

s1h wrote:

It doesnt make any sense to me why would you be accepted for one and not the other? Surely the only difference is that one has a monthly fee with additional services.

Im really seriously thinking about cancelling my application.

Citibank seem like a right bunch of cowboys, doesnt seem like they have any straightforward criteria. It also sounds like they make it up as they go along.

They probably have different criteria for the access / plus account - Sounds like you want to cancel incase you get declined ... but you might not be .... it's worth a try ...

bengal-stripe

khurammm wrote:

If they think you are worthy they will give you the account otherwise reject you....

Oh dear! So, you have to proof your 'worthiness' to join the club.

Makes citibank like the freemasons, I suppose.

khurammm

bengal-stripe wrote:

Oh dear! So, you have to proof your 'worthiness' to join the club.

Makes citibank like the freemasons, I suppose.

Every bank checks your credit worthiness unless you are applying for a basic account.

s1h

sorry khurammm but I think you are talking nonsense.

If they think you are worthy they will give you the account?

So how can someone who earns 25k+ a year and have a couple of missed credit card payments get declined but then someone who is on benefits and have defaults and ccjs get accepted. There is no logic in it.

s1h

Tori_Bellatrix wrote:

They probably have different criteria for the access / plus account - Sounds like you want to cancel incase you get declined ... but you might not be .... it's worth a try ...

No i dont want to cancel in case i get declined that doesnt bother me im used to rejection. Im just seriously thinking whether i want to bank with a bunch of cowboys who make the rules up as they go along.