Citi Diamond Preferred VS Thank You Preferred and Should I Apply?

[eagles08]

Well I am in the garden as of right now but I have the itch for a Citi card as I've been attending some concerts lately and they seem closely tied with Citi for different perks. I currently have almost $3,000 blalance on my Discover but all others are $0 or pretty close.  My oldest account is my BB&T card, I've had both the Kay and Best Buy nearly a year, AMEX almost 4 months and Chase, Bayport, and Discover about 2 months.  Credit Secure has all my scores at 720+, CK at 682 but in my siggy are the latest lender pulls.  Equifax was for an auto loan so maybe Bayport scored it differently than it would be for a credit card?  I did just refinance a 6 month old auto loan as well.  Chase pulled me at a 710 on Experian.  No baddies at all, total credit history is over 3 years but average is only about 6-7 months due to all new cards.  In the last year I have 5 inquiries on Experian, one from Verizon for cell phone, 14 on Equifax but most are for my initial auto loan and one for the cable, and I have 1 on Transunion.  So which card is good?  The Diamond Preferred or the Thank You Preferred and why?  Rewards aren't a huge deal to me as I use the Freedom, IT, and BCE for rewards.  I would like to add a Mastercard to my collection!  Also, should I even waste time applying in the first place?  I also did try the pre-qual and it said "we couldn't match your records to a Pre-Qualified credit card offer but we think you'll like this card:

Citi ThankYou® Preferred Card"

It also listed the simplicity and AAdvantage as cards "I may be interested in." 

[enharu]

The thank you preferred comes as a visa by default unless you manage to find one of those offers that come in a MasterCard version, such as those 5X gas, groceries and drug stores promo.

The TYP is harder to qualify for compared to diamond preferred because the TYP has a NPSL and offer better benefits in general.

If all you want is any MasterCard, you could get your chase cards PC to a MasterCard or check out Barclays as well. Barclays seems to offer MasterCard mostly.

[eagles08]

Got yahhh. I'm not necessarily interested in just the MasterCard option, just the perks of the Citi card in general. I thought the Diamond Preferred would be harder but the way you put it makes sense. Hmmmm. I'm wondering if I should apply.

[enharu]

check credit pulls database and whogavemecredit to see which bureau they pull from in your area.

Citi usually pulls EQ or EX primarily.

[09Lexie]

You want the cc for early access to concerts?

[eagles08]

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@09Lexie wrote:
You want the cc for early access to concerts?

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I'd be interested in utilizing that perk but I guess it's an excuse to get a new card too!  Ha! 

[09Lexie]

Apping is obviously your decision. IMO, I'd reconsider with an AAOA that low. If you aren't going to apply for anything else for a year - go for it.

enharu can give you more advice on Citi than I but from what I've seen their rewards are a little thin if it was going to be my last cc for a year.

[Transmogrifying_Bee]

I received the Citi Diamond Preferred about a month ago.  They pulled EQUIFAX, with a "Score Range" of 250 - 900.  My score was 737 (Ohio), receiving a $5K CL.

(Oh, since this is my first post (longer time lurker), HELLO to all of you!)

[eagles08]

Yeah.  My next big move will be a mortage and definitely not within the next year.  Maybe two!  I mayyyy have an auto loan in there somewhere but I highly doubt that as well.

[eagles08]

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@Corgihound wrote:

I received the Citi Diamond Preferred about a month ago.  They pulled EQUIFAX, with a "Score Range" of 250 - 900.  My score was 737 (Ohio), receiving a $5K CL.

(Oh, since this is my first post (longer time lurker), HELLO to all of you!)

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Do you like the card?  Why did you get it?  Like I stated this will by no means be my daily card so rewards are not a factor but I was just wondering if I'd have a shot at the Thank You Preferred but im leaning towards the Diamond.