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Valued Contributor
creditnocash
Posts: 2,255
Registered: ‎07-23-2012
0

Citi Diamond Preferred Pre Approval.

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: Discover Fico 701 10/14 Walmart Fico 689 9/14

Inquiries (24 Months): EQ 3 TU 0 EX 0 | Most Recent: 09/26/2014


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Established Contributor
n777ua
Posts: 573
Registered: ‎05-29-2011
0

Re: Citi Diamond Preferred Pre Approval.

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...

Amex Green NPSL, Amex BCE $19.7k, Amex HH Surpass $11.3k, Amex Simply Cash Business $3k, Chase Ink Bold $15k (flex)Chase Sapphire Preffered $26k, Citi Diamond $13.3k, Citi TY Preferred $10.5k, Virgin Atlantic Amex $8k, Discover Motiva $10k, Boa World Elite $10k, US Bank Visa $4.1k, GE Amazon $4k, GE Lowes $6k, BillMeLater $5.3k, Target $.2k, CapOne $2k Von Maur NPSL,
Frequent Contributor
newportguy
Posts: 351
Registered: ‎11-11-2012
0

Re: Citi Diamond Preferred Pre Approval.


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.?


Current Score: myFico EQ - 794 ( 11/ 29/2012 ) amexFico EX - 787 (10/15/2012) myFico TU - 780 (11/29/2012) Credit Sesame - 809 (02/04/2013) Goal Score * 800 Club *
****** Garden Club Member -- Last HP Jan 3rd 2013 *******
*** Amex - BCP 10 K * PenFed - CR 5 K * Amex - GDSM 5 K *
Discover - IT 5 K ***** NO MORE APPS FOR ME IN 2013 *****
Valued Contributor
creditnocash
Posts: 2,255
Registered: ‎07-23-2012
0

Re: Citi Diamond Preferred Pre Approval.

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: Discover Fico 701 10/14 Walmart Fico 689 9/14

Inquiries (24 Months): EQ 3 TU 0 EX 0 | Most Recent: 09/26/2014


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Senior Contributor
youngandcreditwrthy
Posts: 6,242
Registered: ‎08-16-2012
0

Re: Citi Diamond Preferred Pre Approval.

Lol.. I just apped for CDP. 10% util... Like a 700+ FICO... DENIED grrrrr
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Valued Contributor
creditnocash
Posts: 2,255
Registered: ‎07-23-2012
0

Re: Citi Diamond Preferred Pre Approval.


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: Discover Fico 701 10/14 Walmart Fico 689 9/14

Inquiries (24 Months): EQ 3 TU 0 EX 0 | Most Recent: 09/26/2014


2014 Goals:
Lower Utility
47%(OUCH!!)
Freedom Signature

Amex Zync(Unicorn)
Chase Freedom$1500
Discover IT$2900
Citi Diamond Preferred$6000
Citizens Mastercard$7000
Senior Contributor
youngandcreditwrthy
Posts: 6,242
Registered: ‎08-16-2012
0

Re: Citi Diamond Preferred Pre Approval.

Haha. I only use a few of them :-P duhhhh!!!
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Established Contributor
gettnthere
Posts: 912
Registered: ‎06-14-2012
0

Re: Citi Diamond Preferred Pre Approval.

Citi almost always pulls EQ OR EX. I really don't think ive read anywhere of them pulling TU. IT seems like citi particularly likes EQ though.


Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 :smileywink:
Established Contributor
gettnthere
Posts: 912
Registered: ‎06-14-2012
0

Re: Citi Diamond Preferred Pre Approval.

You could always check whogavemecredit.com. or the creditpulls database for your state.


Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 :smileywink:

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