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Contributor
Posts: 282
Registered: ‎01-15-2009
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Re: Applied for Citi. *EDIT*

That was eq the other cb only have maybe 5
Regular Contributor
Posts: 118
Registered: ‎04-17-2011
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Re: Applied for Citi. *EDIT*


MagicShot wrote:
That was eq the other cb only have maybe 5


that might be to much for citi

because when i got mine i had 5 and just 3 in 6 mnths and was apprv for my card with no recon

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BBVA/Compass 2/12 $ 5000 ----- Chase Freedom 12/10 $3000 ---- Cabela's 1/12 $3000 -----US Bank FlexPerks Cash Rewards 6/11 $3000 ----Walmart Discover 10/11 $2814 ------ Discover More 11/11 $2500 ----- Amazon Store Card 2/11 $2100---- Amex Zync 4/11 ---- Citi Dividend Platinum Select 3/11 $1950 ---- BofA Cash Rewards 12/11 $1000
Frequent Contributor
Posts: 380
Registered: ‎06-01-2011
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Re: Applied for Citi.


Creditaddict wrote:

My experience is if you get further processing and then it doesn't give you an application number and phone number to call in for security you are declined... My roommate was given a phone number to call right away and after couple questions was instantly approved for $4600


I just applied for the Citi Dividend College card today. I got this further processing message as well, then called and after answering a few questions from a very friendly rep she put me on hold and came back and told me I was approved for $4000 CL.  I was just denied for the Thank you preferred card about a week ago and talked to a rep about reconing it and he told me I was able to qualify for a college card instead so I went ahead and applied today.

 
Frequent Contributor
Posts: 362
Registered: ‎07-31-2007
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Re: Applied for Citi.


Meltdownblitz wrote:

I just applied for the Citi Dividend College card today. I got this further processing message as well, then called and after answering a few questions from a very friendly rep she put me on hold and came back and told me I was approved for $4000 CL.  I was just denied for the Thank you preferred card about a week ago and talked to a rep about reconing it and he told me I was able to qualify for a college card instead so I went ahead and applied today.


Why'd you apply for the Citi Dividend card? I applied for the Forward card because I had heard the TY program was better.

 

6/9/2008-TransUnion-703
6/9/2008-Equifax-712
6/9/2008 Experian-635

2/16/2011 Transunion - 675
3/11/2011 Equifax - 688
5/13/2011 Equifax - 704
5/28/2011 Equifax - 704
5/28/2011 Transunion - 724
Valued Contributor
Posts: 2,528
Registered: ‎11-11-2010
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Re: Applied for Citi.

[ Edited ]

Actually, TY program sucks. 1 TY point = 0.7 cents. Worse than 1% cashback vanila card.

 

You should only get TY points in the following card, Citi Forward/mtvU. Since these cards offer 5TY points on entertainment, Amazon, books, and restaurant. Which gives you 3.2% return per dollar spent on bonus category.

 

Otherwise get Citi Divident becuase you get 1% cashback guranteed, with 5% being rotating category (no cap on 5%, $300 cashback cap annually).

In My Wallet:
Citi Forward (12/2010) | Citi Dividend (05/2011) | Chase Freedom (11/2011) | GECRB/PayPal (05/2012)
Discover it (07/2012) | AMEX BCP (09/2012) | TD/Target REDCard (10/2012) | Chase Ink Classic (11/2012)
BofA BBR (04/2013) | FNBO/Overstock.com (02/2014) | Barclaycard Arrival (04/2014) | FIA/Fidelity AMEX (04/2014)
Frequent Contributor
Posts: 362
Registered: ‎07-31-2007
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Re: Applied for Citi.


trumpet-205 wrote:

Actually, TY program sucks. 1 TY point = 0.7 cents. Worse than 1% cashback vanila card.

 

You should only get TY points in the following card, Citi Forward/mtvU. Since these cards offer 5TY points on entertainment, Amazon, books, and restaurant. Which gives you 3.2% return per dollar spent on bonus category.

 

Otherwise get Citi Divident becuase you get 1% cashback guranteed, with 5% being rotating category (no cap on 5%, $300 cashback cap annually).


Yup, I applied for Forward, I know better than to apply for the TY card. I've seen the other posts around here.

Not sure I'd get approved for the Dividend Mastercard, since I was denied for the Forward card.  But I've been looking for a decent Mastercard that isn't tied to Cap1 or a credit union.

6/9/2008-TransUnion-703
6/9/2008-Equifax-712
6/9/2008 Experian-635

2/16/2011 Transunion - 675
3/11/2011 Equifax - 688
5/13/2011 Equifax - 704
5/28/2011 Equifax - 704
5/28/2011 Transunion - 724
Frequent Contributor
Posts: 380
Registered: ‎06-01-2011
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Re: Applied for Citi.

[ Edited ]

kc12286 wrote:

Meltdownblitz wrote:

I just applied for the Citi Dividend College card today. I got this further processing message as well, then called and after answering a few questions from a very friendly rep she put me on hold and came back and told me I was approved for $4000 CL.  I was just denied for the Thank you preferred card about a week ago and talked to a rep about reconing it and he told me I was able to qualify for a college card instead so I went ahead and applied today.


Why'd you apply for the Citi Dividend card? I applied for the Forward card because I had heard the TY program was better.

 



Because of the situation I was in, I am in need of a gas card for now and this card gives me 5% in gas, supermarkets, and I think dept stores or something. Then in 6 months I wil grab a full time rewards gas card, and I have the discover more so I don't need the forward considering the next category in oct is restaurants on the more card. And by 6 months I'm hoping my scores should be way higher, currently around 690. Forward card is a good card as well and yes its less then $1 per point unless you redeem your points for $100 gift cards then you should be getting $1 per point in most cases.

 
Frequent Contributor
Posts: 362
Registered: ‎07-31-2007
0

Re: Applied for Citi.


Meltdownblitz wrote:

kc12286 wrote:

Meltdownblitz wrote:

I just applied for the Citi Dividend College card today. I got this further processing message as well, then called and after answering a few questions from a very friendly rep she put me on hold and came back and told me I was approved for $4000 CL.  I was just denied for the Thank you preferred card about a week ago and talked to a rep about reconing it and he told me I was able to qualify for a college card instead so I went ahead and applied today.


Why'd you apply for the Citi Dividend card? I applied for the Forward card because I had heard the TY program was better.

 



Because of the situation I was in, I am in need of a gas card for now and this card gives me 5% in gas, supermarkets, and I think dept stores or something. Then in 6 months I wil grab a full time rewards gas card, and I have the discover more so I don't need the forward considering the next category in oct is restaurants on the more card. And by 6 months I'm hoping my scores should be way higher, currently around 690. Forward card is a good card as well and yes its less then $1 per point unless you redeem your points for $100 gift cards then you should be getting $1 per point in most cases.


I thought the TY program for the Forward card was better though? I was only applying because I was hoping for a decent CL, I need to buy a laptop. And I wanted the 0% financing offer. If the TY program for the Forward is so bad, I won't bother asking for a recon, I'll just look to something else. Either a Mastercard or Discover.

6/9/2008-TransUnion-703
6/9/2008-Equifax-712
6/9/2008 Experian-635

2/16/2011 Transunion - 675
3/11/2011 Equifax - 688
5/13/2011 Equifax - 704
5/28/2011 Equifax - 704
5/28/2011 Transunion - 724
Frequent Contributor
Posts: 380
Registered: ‎06-01-2011
0

Re: Applied for Citi.


kc12286 wrote:

Meltdownblitz wrote:

kc12286 wrote:

Meltdownblitz wrote:

I just applied for the Citi Dividend College card today. I got this further processing message as well, then called and after answering a few questions from a very friendly rep she put me on hold and came back and told me I was approved for $4000 CL.  I was just denied for the Thank you preferred card about a week ago and talked to a rep about reconing it and he told me I was able to qualify for a college card instead so I went ahead and applied today.


Why'd you apply for the Citi Dividend card? I applied for the Forward card because I had heard the TY program was better.

 



Because of the situation I was in, I am in need of a gas card for now and this card gives me 5% in gas, supermarkets, and I think dept stores or something. Then in 6 months I wil grab a full time rewards gas card, and I have the discover more so I don't need the forward considering the next category in oct is restaurants on the more card. And by 6 months I'm hoping my scores should be way higher, currently around 690. Forward card is a good card as well and yes its less then $1 per point unless you redeem your points for $100 gift cards then you should be getting $1 per point in most cases.


I thought the TY program for the Forward card was better though? I was only applying because I was hoping for a decent CL, I need to buy a laptop. And I wanted the 0% financing offer. If the TY program for the Forward is so bad, I won't bother asking for a recon, I'll just look to something else. Either a Mastercard or Discover.


You should at least try for a recon, why not? Discover has a good 0% APR for 15 months on the More card, thats a good no APR period IMO.

 
Valued Contributor
Posts: 2,528
Registered: ‎11-11-2010
0

Re: Applied for Citi.

[ Edited ]

TY program is ONLY good when you get Forward/mtvU AND use it on entertainment (video game, movie, DVD rentals, and book store), Amazon.com, and restaurant. If you don't spent a lot on those categories TY program sucks.

In My Wallet:
Citi Forward (12/2010) | Citi Dividend (05/2011) | Chase Freedom (11/2011) | GECRB/PayPal (05/2012)
Discover it (07/2012) | AMEX BCP (09/2012) | TD/Target REDCard (10/2012) | Chase Ink Classic (11/2012)
BofA BBR (04/2013) | FNBO/Overstock.com (02/2014) | Barclaycard Arrival (04/2014) | FIA/Fidelity AMEX (04/2014)

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