topic Citi Diamond Preferred Mastercard in Credit Cards

Citi Diamond Preferred Mastercard

fedxboy — Wed, 17 Oct 2012 16:29:12 GMT

In August, I got one of those pre-selected applications in the mail and I pulled the trigger. Unfortunately, I was declined. A month later, I got another pre-selected app in the mail and thought -- **bleep**!~:smileymad:

The reasons they declined me were for 2 items listed:

Your credit report shows one or more accounts recently past due

Your credit report shows insufficient credit lines.

The recently past due account was a charge off from 4/2004 and reaged to 11/2005 -- after being sold to another creditor. It finally fell off Oct 3rd, leaving me with a clean slate of credit . Also, I was quite surprised when they listed my credit score -- 0521 -- saying credit scores range from a low of 400 to a high of 999. I knew it wasn't that low, but I wasn't interested in reconning, since Citi has always declined me, even for a student card.

Fast forward to last night, Citibank called again. The first time they called, I didn't answer since I didn't recognize the number. I looked up the # on the internet and found out it was Citibank, so when they called last night -- I made sure to pick it up.

I was quite surprised that they only verified it was me and acknowledged that I had applied for a Citi Diamond Pref MC back in August. They informed me that they used the wrong credit criteria for my application and when they used the right information, they said I was approved and asked me if I still wanted the card? I thought about it for a brief second and said ok, since my AAOA is slowly creeping downwards after opening too many cards this year. I think my AAOA is 3.5 years now, instead of the 7-8 years it was before I started apping. Oh hum, off to the garden I go -- I have enough good credit now and its time to age them all!!!

Re: Citi Diamond Preferred Mastercard

fedxboy — Wed, 17 Oct 2012 16:47:35 GMT

Is there a way to lengthen my AAOA, if I'm added to a friends credit card as an AU???? I will certainly find out, as I had a buddy put me on his BofA signature card that has a credit limit of $25,000.00 with no balance and a length of 10 years.

Just curious

Re: Citi Diamond Preferred Mastercard

Cadillac-XTS — Wed, 17 Oct 2012 17:26:30 GMT

Congrats

Re: Citi Diamond Preferred Mastercard

migliogiorni — Wed, 17 Oct 2012 17:28:42 GMT

Congrats.

Re: Citi Diamond Preferred Mastercard

wallyworld123 — Wed, 17 Oct 2012 19:16:04 GMT

wow thats great I love how they called you back when they realized they made the mistake. Congrats!

Re: Citi Diamond Preferred Mastercard

youngandcreditwrthy — Wed, 17 Oct 2012 22:30:12 GMT

Awesome! What was yout FICO at approval? And what limit did you get?! Im just curious as I plan to app for this card in the future :-)

Re: Citi Diamond Preferred Mastercard

ccnewcc — Thu, 18 Oct 2012 00:09:09 GMT

Awesome congrats!

Score: You = +1

Citi Haters = 0

Lol jk :)

Re: Citi Diamond Preferred Mastercard

ccnewcc — Thu, 18 Oct 2012 00:10:07 GMT

I wonder this tho, why the Citi Diamond? Isn't this a card with No rewards?

Re: Citi Diamond Preferred Mastercard

youngandcreditwrthy — Thu, 18 Oct 2012 00:11:10 GMT

Lol I'm a Citi hater :-P but I want the Diamond card in the future lol only Citi card that looks pretty :-)