Citi Cards

[lhcole77]

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@corymcd88 wrote:

Are Citi any good. I keep geting in the mail Citi Diamond and online it said Citi Simplicity that I was pre approved for. My EX is 690 FICO, EQ 833 FICO and TU 767. All have paid 1 CO and 1 collection on them all with about a year to SOL.

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I have a Simplicty and a Double Cash card with Citi. So far I have been pleased. They don't seem to mind carrying a balance (in my experience) and have given me GREAT BT offers. 18 months at 0%...PLEASE and THANKS!

What I have not been a fan of, however, is that they are pull happy: 2 HPs each time I opened a card--1 on EX and 1 on EQ. Another HP for CLI request and another HP for reallocating limits between cards. Both of those were on EQ. So, in less than 18 months I received 6 HPs from Citi.

But at the end of the day I have always gotten what I asked for from them.

Loving the Double Cash--already have $231 saved up in rewards.

[Anonymous]

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@chalupaman wrote:

If you have a lot of recent inquiries, don't waste your time with Citi. They are very strict when it comes to the number you can have in the last six months. 6 seems to be their maximum 

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@Popa,

Eh?  Thanks for posting that as I get an offer from them every singe day.  I don't care for them at the moment until I app for the prestige so good to know. Don't have any Citi card and will wait.  Great info.

[chalupaman]

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@Anonymous wrote:

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@chalupaman wrote:

If you have a lot of recent inquiries, don't waste your time with Citi. They are very strict when it comes to the number you can have in the last six months. 6 seems to be their maximum 

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@Popa,

Eh?  Thanks for posting that as I get an offer from them every singe day.  I don't care for them at the moment until I app for the prestige so good to know. Don't have any Citi card and will wait.  Great info.

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I give Flyer Talk a lot of credit there. They really seem to know a lot about how Citi applications work and that was one of the big things that they stress on their website because people with 7 inquiries in the last six months  have been denied mainly for that reason. If you're in the position where you want to get app for a Citi card, just check out the information that's on that website. I don't read it regularly but I have seen a few threads there that have been helpful for me as well.

[Anonymous]

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@chalupaman wrote:

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@Anonymous wrote:

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@chalupaman wrote:

If you have a lot of recent inquiries, don't waste your time with Citi. They are very strict when it comes to the number you can have in the last six months. 6 seems to be their maximum 

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@Popa,

Eh?  Thanks for posting that as I get an offer from them every singe day.  I don't care for them at the moment until I app for the prestige so good to know. Don't have any Citi card and will wait.  Great info.

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I give Flyer Talk a lot of credit there. They really seem to know a lot about how Citi applications work and that was one of the big things that they stress on their website because people with 7 inquiries in the last six months  have been denied mainly for that reason. If you're in the position where you want to get app for a Citi card, just check out the information that's on that website. I don't read it regularly but I have seen a few threads there that have been helpful for me as well.

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@popa.. 

Cool.. Will do.  I usually read million mile secrets but I will start paying attantion to that site also.  Thanks for the info.

[Involver]

Only have a single Citi card (DC) but no complaints thus far. High limit, low apr, customer service had been competent.

Eying the AA Platinum for the 50k miles signup.

[Anonymous]

Regarding the two pull problem, has anyone tried {Edited-MarineVietVet, myFICO moderator}I hate creditors who make more than 1 pull. cough,cap1!

[baller4life]

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@Anonymous wrote:

Regarding the two pull problem, {Edited} I hate creditors who make more than 1 pull. cough,cap1!

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Preach brotha!

[Anonymous]

Unfortunately not that uncommon. chase also double pulls around here. Sometimes BoA too, although less often. 

cap1 is as far as I know the only one that triple pulls. 

[corymcd88]

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@Anonymous wrote:

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@chalupaman wrote:

If you have a lot of recent inquiries, don't waste your time with Citi. They are very strict when it comes to the number you can have in the last six months. 6 seems to be their maximum 

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@Popa,

Eh?  Thanks for posting that as I get an offer from them every singe day.  I don't care for them at the moment until I app for the prestige so good to know. Don't have any Citi card and will wait.  Great info.

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I keep getting offer all the time also.

[Anonymous]

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@Anonymous wrote:

Regarding the two pull problem, has anyone tried {Edited-MarineVietVet, myFICO moderator}I hate creditors who make more than 1 pull. cough,cap1!

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Tried what?

Asking them nicely to only pull one?

I asked. They said "Not happenin'" Then they asked if I wanted to proceed.

I said "Not happenin'"