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So I am pretty much ready to go on my app spree. I am just waiting for 6 inqs to turn one year old the first week of Feb. I pulled my ex fico and it was sitting at 738, so I went over to citi's site to see if they prequalied me for anything besides the CDP that they mailed me. I think that they offered me everything that they had. So as I was looking at the different cards, I started wondering why I would want the CDP when the seemingly best offer was for the simplicity. Any thoughts?
It looks like I can get 18 mos on the simplicity and 12 on the others--including dividend platinum select.... This is from their pre qualified offer finder. Perhaps the dividend is the best one to get. I have one paid collection from 09 that is stuck on there from online collections, who don't delete anything. My util is <9% and I have 9 inqs on ex. on feb 8th, I'll have 4 in the last 12 months.
@enharu wrote:
The simplicity has the longest 0% promo, but no rewards.
The CDP has no rewards, and it comes with 18 months 0% promo, and is slightly easier to be approved for compared to the other 2 you mentioned.
The TYP has a NPSL feature, which means if they can't approve you for it, then you will be stuck with the regular TY. I think you should be fine though. The TYP has a 12-15 month 0% promo, which is the shortest out of the 3, but it has a rewards structure.
Does the TY still exist?