Denied Citi Elit, they want to re-pull my credit over 30 days later. Is this a good idea?
Hey all,
Looking for some advice on a weird situation with a Citi credit card application.
Here's the timeline:
\* 8/12/25: Applied for the Chase Ink Business Cash (was denied). This resulted in a hard inquiry on my credit report.
\* 8/13/25: Applied for the Citi Elit card. It was denied.
I called the Citi reconsideration line and they told me the reasons were "credit issues" and "too many inquiries." I've since checked my credit reports (from all 3 bureaus), and the "credit issues" they mentioned are no longer on my reports. The only remaining issue seems to be the two recent hard inquiries from the Ink Business Cash and my initial Citi application.
I spoke with a Citi rep, and they said that since it's been over 30 days since my last application, they would have to do a fresh credit pull to resubmit the application. They can't just reconsider the old one.
\*\*So my questions are\*\*
1. Is this a wise move? I'm worried about taking another hard inquiry only to be denied again for the same reason ("too many inquiries"). 2. What are the chances I'll get the card? The rep couldn't give me any specifics, just that they'd have to do a fresh pull. 3. Has anyone had a similar experience with Citi specifically? What was the outcome?
Any thoughts or data points would be really helpful! Thanks!
Current credit cards:
* Citi Double cash card 12/2016 * Chase Preferred (downgraded to Chase freedom in 4/2022) 3/2019 * Discover it 11/2019 * Ink Business Preferred 1/2020 (closed 7/26/24) * Chase flex 9/2021 * Ink Business Unlimited 12/2021 (closed 7/26/24) * Ink Business Cash 3/2022 (closed 7/26/24) * U.S. Bank Business Leverage 5/2022 * US Bank Triple Cash Rewards Visa 9/2022 * Ink Business Unlimited 6/2023 (closed 7/26/24) * Bilt 7/2023 * U.S. Bank Altitude Connect Visa Signature Card 9/2023 * Ink Business Cash 4/2024 (closed 8/13/2025) * Citi Strata Premier Card 6/30/2024 * Ink Business Preferred Credit Card 9/2024 * Citi® / AAdvantage Busines World Elite Mastercard 1/7/2025 * Ink Business Unlimited 3/22/2025 * Barclays American airline AAdvantage personal 3/22/2025 * Capital one Venture 6/12/2025
FICO Scores with source: 777
Income: 93k