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Valued Contributor
afbar1114
Posts: 2,177
Registered: ‎01-09-2012
0

CITI cards...

For some reason i have been looking at citi the past few days. I am liking the card but i dont really see a need for it as i use my chase cards the most. 


In my wallet: AMEX Gold; Freedom $1.5k; CSP $5k; Chase United $5k; Discover $2k
Last HP: 4/30
Established Contributor
thelethargicage
Posts: 547
Registered: ‎09-19-2012
0

Re: CITI cards...

The Chase cards on your sig are far superior to anything Citi offers.
       
"The family who apps together files for bankruptcy together." - Dave Ramsey
Valued Contributor
afbar1114
Posts: 2,177
Registered: ‎01-09-2012
0

Re: CITI cards...


thelethargicage wrote:
The Chase cards on your sig are far superior to anything Citi offers.

really? i thought citi was on par with them...if thats the case they may never find themselves in my wallet. 


In my wallet: AMEX Gold; Freedom $1.5k; CSP $5k; Chase United $5k; Discover $2k
Last HP: 4/30
Frequent Contributor
JollehRoger
Posts: 264
Registered: ‎06-05-2011
0

Re: CITI cards...


thelethargicage wrote:
The Chase cards on your sig are far superior to anything Citi offers.

Not entirely true. It depends on a persons spending pattern as to what is superior.


Scores: TU - 762 (Discover FICO - 6/01/2014), EQ - 716 (MyFico FICO - 12/1/2013)
Current Cards: NFCU cashRewards Sig - 5k, Amex BCE - 6.8k, Discover It - 5k, Citi Dividend WE- 5k, Chase Freedom - 2.5k
Last App: 6/10/2014. In the garden for a few years.
Valued Contributor
CreditScholar
Posts: 2,300
Registered: ‎01-22-2012
0

Re: CITI cards...


thelethargicage wrote:
The Chase cards on your sig are far superior to anything Citi offers.

If you're an AA flier then their AA Select or Executive cards may be of use.

 

The Citi Hilton Reserve is a good card, and their premier/prestige is good if you fit their targeted audience.

 

The rest are fairly soso imo.

FICOs: EX: 826, EQ: 817, TU: 810
Bank of America Privileges with Travel Rewards Visa Signature - $23,200 CL
Chase Sapphire Preferred Visa Signature - $12,700 CL
Chase United MileagePlus Club World Elite MasterCard - $26,500 CL
Citibank American Airlines Executive World Elite MasterCard - $22,500 CL
J.P. Morgan Ritz Carlton Visa Signature - $23,500 CL
Senior Contributor
youngandcreditwrthy
Posts: 6,211
Registered: ‎08-16-2012
0

Re: CITI cards...

Citi isn't that great.
Trust me bro, you're better off without them lol
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 $5k| West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Valued Contributor
maiden_girl
Posts: 2,098
Registered: ‎12-29-2011
0

Re: CITI cards...

Citi is horrible. They deny you for stupid reasons then if you try to RECON with them...they pretend they arent looking directly at your credit report and tell you to send them a copy of it with the denial letter attached..reallly CITI? Really?

The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)






Valued Contributor
navigatethis12
Posts: 1,930
Registered: ‎01-24-2012
0

Re: CITI cards...

If you are looking for cashback, look elsewhere. The Thank You Preferred with 5% on groceries, gasoline, and drugstores for 12 months is the only good thing they were offering. They make it difficult to redeem for 1 cent per point, but that deal makes it worth it. Other than that, they are pretty lame. The Dividend always has categories that no one uses, making it worthless.

Established Contributor
Rackham94
Posts: 507
Registered: ‎04-01-2013
0

Re: CITI cards...

OP, around what time did you apply for CSP before or after Freedom? Trying to see what I need to do so I can get CSP as well 

Contributor
Radek7752
Posts: 91
Registered: ‎03-27-2013
0

Re: CITI cards...


afbar1114 wrote:

For some reason i have been looking at citi the past few days. I am liking the card but i dont really see a need for it as i use my chase cards the most. 


Most of Citi's cards are lacking when it comes to their rewards programs. I think one of the more useful combinations is the Citi Forward + ThankYou Preferred/Premier/Prestige, although the regular Forward has been removed. I like the Simplicity because I get many offers for balance transfers on it. I just keep my Citi cards because I like diversity and they have decent limits.

 

I have been hoping they'd make a better ThankYou card that has competitive 5% categories (aside from that old promotional offer) that competes with the Freedom and Discover IT.

BoA: Virgin Atlantic World Elite Mastercard
Chase: Sapphire Preferred (WMC)/Freedom/Amazon/Auto Loan (41k)
Citi: Thank You Preferred/Forward/Simplicity
AmEx: Zync/Blue Cash/Starwood Preferred
Discover: IT
GE: JCP/Walmart Discover

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