Citi App

[corymcd88]

I was looking to apply for a Citi Simplicity card. My EX FICO is 680. I was pre screened for this card. What are my chances?

[kdm31091]

Generally Citi's preapprovals are considered pretty solid so you should be fine if you have a preapproval, and your needs match the benefits of this card (primarily a 0% period and forgiveness on a late payment, etc, if I am not mistaken).

[corymcd88]

---

@kdm31091 wrote:

Generally Citi's preapprovals are considered pretty solid so you should be fine if you have a preapproval, and your needs match the benefits of this card (primarily a 0% period and forgiveness on a late payment, etc, if I am not mistaken).

---

It was online pre approved, in the mail I get Diamond Preferred all the time.

[kdm31091]

If you want it, I think you're fine to go for it then. I dunno about Simplicity but I know with Diamond Preferred, once you have reaped the benefits of the 0% period/BT/whatever, after a year you can PC to something ostensibly more useful like a Double Cash.

[corymcd88]

I have one paid collection and two CO all about one year left to SOL all paid.

[corymcd88]

I was approved for $3.800 CL and 18m 0% APR and then 17,99 APR after that.

[Anonymous]

Just checked the preapproved site.  They offered me 21.99% APR on the Simplicity.. I'm shocked, with scores in the 740s and perfect payment history, you'd think that Citi would want my business... 22.99% on the Double Cash and 21.9% on the TYP.  I have better cards with better APRs (not that I want to give them my business or carry a balance anyways..)

In any event, if you have a range, you should be worried.  If you have a solid APR score, you're likely to get in unless something dramatically changed from then until now.

[kdm31091]

---

@Anonymous wrote:

Just checked the preapproved site.  They offered me 21.99% APR on the Simplicity.. I'm shocked, with scores in the 740s and perfect payment history, you'd think that Citi would want my business... 22.99% on the Double Cash and 21.9% on the TYP.  I have better cards with better APRs (not that I want to give them my business or carry a balance anyways..)

In any event, if you have a range, you should be worried.  If you have a solid APR score, you're likely to get in unless something dramatically changed from then until now.

---

Citi does not seem to like to give decent APRs unless you are in the "excellent" tier. I have the same problem, all of the prequals they will give me are 21-22%, even on non reward cards like Diamond Preferred where you'd think they could give a lower APR. I guess they are just a higher APR lender in general unless you're at like 800 lol.

[corymcd88]

I hope I can get the APR down in 18m. I'm getting rid of Capital One 6 year old account and the best they can get is 20,99 APR and a $3.700 CL

[LitenFlicka]

The APRs cited by the Citi Prescreen may not be what you get. Prescreen showed the same 21%-22% aprs on all 5 different cards it said I was eligable for but when applying for the Double Cash, it was approved with a 15.99% apr.