Citibank
Promotional Offers Keep Coming, Then Application Put on Hold

For several years Citibank has been emailing me promotions, at times 2 or 3 in a single week. The other day I finally responded to one. After a nearly week-long runaround, I learned that my account was under a lockdown. If you know you will not approve an application, why keep filling my inbox with junk mail? Now my credit report shows an inquiry that achieved nothing.

My husband and I shared a Citibank Sears card for a long time. He passed away in 2004, and I kept using the card and paid everything on time as I should. One day a collection notice from Citibank arrived, saying our account was closed and the entire balance was due immediately. When I called, they explained that closing followed my husband's death, and it was done without any notice or warning. I could not come up with the full balance so fast, so I accepted a settlement offer and resolved it.

That happened more than 5 years ago. My credit score today is 770, and my standing with all my creditors is excellent. I have no need for a Citibank card, particularly if they know from the start that they will refuse the application. For those same reasons I also want the junk mail from them to stop. If they are placing a hold on my application, they should stop sending me all of this mail!!!

Company: Citibank
Country: USA

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