Credit Card Center Advertiser Disclosure†
02-01-2013 05:59 PM - edited 02-01-2013 06:03 PM
A few weeks ago i apped for Citi Thank you Preffered and after Recon i was approved for 2000 cl.....well the same day i apped for Citi Diamond Preffered as well..got shot down ( inq)...
well when i reconed the TY app they must have reconsidered the diamond app ( no 2nd pull).......approved 1200....0 % APR......18 months ........then 15.9 after........got the chipped card as well....
02-02-2013 12:57 AM
Hmmm. I just got a pre selected invitation from Citi for the Diamond card. I wonder if that means I should risk it? Hmmm. No, I think I will wait for the next offer with reward bonus points! I was thinking that maybe at Christmas time I should make a list of the Bonus points/rewards that cards are offering and cut my Christmas expenses down in that way! That would be a sweet way to work credit in my favor! Get the cards, get the bonus rewards, then PIF them and into the sock drawer!
02-02-2013 01:00 AM
Oh and congrats!
02-02-2013 03:26 AM
bernhardtra: tread carefully. I got one last year, applied and denied.
Yeah, I think they got my information from some lounge thing I have for when I travel. But don't worry I am not stepping out of the garden until at least June. I don't have much need for what I have now except now I am have cards which are considered Prime, but even then they are truly near Prime! How long have you had that Merrick card in your siggy, is it the secured card? I have one and they are actually pretty easy to deal with and I like them, mine is secured though. I want so much for them to PC it and make it unsecured with no AF! But that is not their policy and I knew that when I joined. Well I did think at some point they would change and give back my deposit! I thought at some point that I would also be offered an unsecure card also, neither of this has happened. Now if they offered me an unsecure card in addition to the secure I would refuse as it is a lesser card than the ones that I have. I wish they would offer more upper end products and convert long term cardholders to them! I would like to stay with them, but the days are waning for that card.
02-02-2013 03:41 AM
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.