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my dad got this in the mail today.
his history is a little over 2 years and his cards arent maxxed out.
he recently apped for a cap one and got a 500 starter limit.
something smells fishy here or he should have just went straight for amex.
by the way any thoughts on citi?
i currently dont have any cards with them...
i have
amex, chase, and citizens bank as my regular cards
p.s. got a screened offer for a 5k card today but will re screen myself after i app for a second amex in jan =)
Current: Fico ScoresEQ~706 TU~719 EX 709 4/28/23 Inquiries (24 Months): EQ 0 TU 0 EX 0| Most Recent: A LONG WHILE | Buy A Home Earn Cash Back | Amex Zync(Unicorn) Chase Freedom$1500 Discover IT$7,400 Citi DC $10,000 Citizens Mastercard$7,000 |
I had a terrible experience with Citi earlier this year on a CLD, that being said, the Diamond card is great for balance transfers. IIRC, they were offering 0% for up to 24 months at one point.
If its a true pre-approval and not a pre-selected offer, I'd go for it. Its always good to see prime lenders on your CR's irregardless of CL's...
@creditnocash wrote:my dad got this in the mail today.
his history is a little over 2 years and his cards arent maxxed out.
he recently apped for a cap one and got a 500 starter limit.
something smells fishy here or he should have just went straight for amex.
by the way any thoughts on citi?
i currently dont have any cards with them...
i have
amex, chase, and citizens bank as my regular cards
p.s. got a screened offer for a 5k card today but will re screen myself after i app for a second amex in jan =)
? the Citizens Bank of Philadelphia here in MS.?
id have to look at it i was just shocked for citidiamond preferred..
as for citizens bank.
yes the same one as in philly but im in Massachusetts.
its known as citizens bank, royal bank of Scotland (parent company) or charter one.
Current: Fico ScoresEQ~706 TU~719 EX 709 4/28/23 Inquiries (24 Months): EQ 0 TU 0 EX 0| Most Recent: A LONG WHILE | Buy A Home Earn Cash Back | Amex Zync(Unicorn) Chase Freedom$1500 Discover IT$7,400 Citi DC $10,000 Citizens Mastercard$7,000 |
@youngandcreditwrthy wrote:
Lol.. I just apped for CDP. 10% util... Like a 700+ FICO... DENIED grrrrr
ouch. you have so many cards though lol.
he has like 3 inq in the past two years and was added as an au to my moms boa that has a 5k limit but is almost maxxed. (shame on her) paying like 14% interest on that)
hence why im sketchy on it.
i looked at it again and it said pre selected which could mean the worse of the two.
anyways he has till feb till accept it per the letter. obv will be hard pull. ..
who did they pull.
all his pulls are tu.
Current: Fico ScoresEQ~706 TU~719 EX 709 4/28/23 Inquiries (24 Months): EQ 0 TU 0 EX 0| Most Recent: A LONG WHILE | Buy A Home Earn Cash Back | Amex Zync(Unicorn) Chase Freedom$1500 Discover IT$7,400 Citi DC $10,000 Citizens Mastercard$7,000 |