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Contributor
Posts: 94
Registered: ‎09-25-2010
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Citi Platinum Select and Citi Diamond Preferred cards

Hi all,

 

I'm interested in obtaining a credit card with no AF, 0% intro for purchases (not BTs).

 

The Citi Platinum Select and Citi Diamond Preferred cards each offer a 0% intro 18 month offer, no AF.  If any of you have any other suggestions, I would much appreciate it :smileyhappy:

 

If anyone obtained either card (with excellent credit), how were their initial CLs compared to your other cards?  I’d like to know if they tend to compete with your existing limits, or if they generally start you off at some lower limit, and build up with positive history. 

 

Thanks in advance!

 

 

Regular Contributor
Posts: 124
Registered: ‎10-06-2009
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Re: Citi Platinum Select and Citi Diamond Preferred cards


BoSox617 wrote:

Hi all,

 

I'm interested in obtaining a credit card with no AF, 0% intro for purchases (not BTs).

 

The Citi Platinum Select and Citi Diamond Preferred cards each offer a 0% intro 18 month offer, no AF.  If any of you have any other suggestions, I would much appreciate it :smileyhappy:

 

If anyone obtained either card (with excellent credit), how were their initial CLs compared to your other cards?  I’d like to know if they tend to compete with your existing limits, or if they generally start you off at some lower limit, and build up with positive history. 

 

Thanks in advance!

 

 


I was just approved for the Citi Diamond.  My BK just feel off my reports and my Fico scores were in the 704-725 range.  My highest limit had been with US Bank at $2,500 and Citi gave me $3,600.  I know it's probably not the kind of credit line your looking for but they did go higher than my highest line.  Hope this helps.
11/15/11- TU FICO 707 EQ FICO 710 EXP FAKO 738 (USBANK)
12/12/11 - TU Fico 727 EQ FICO 710 EXP FAKO 739 (USBANK)
Goal Score - 750 by 12/31/2012
Regular Contributor
Posts: 222
Registered: ‎01-08-2011
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Re: Citi Platinum Select and Citi Diamond Preferred cards

Peaches, did it take 10 years for the BK to fall off? I was wondering if it happens right at 10 years or not. Mine says 3/2003 on my report

Regular Contributor
Posts: 124
Registered: ‎10-06-2009
0

Re: Citi Platinum Select and Citi Diamond Preferred cards


Settemio wrote:

Peaches, did it take 10 years for the BK to fall off? I was wondering if it happens right at 10 years or not. Mine says 3/2003 on my report


I filed 3/2001 and it came off my EX on January 1, EQ on February 1, TU about the 15th of February.

11/15/11- TU FICO 707 EQ FICO 710 EXP FAKO 738 (USBANK)
12/12/11 - TU Fico 727 EQ FICO 710 EXP FAKO 739 (USBANK)
Goal Score - 750 by 12/31/2012
Frequent Contributor
Posts: 496
Registered: ‎08-05-2009
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Re: Citi Platinum Select and Citi Diamond Preferred cards

[ Edited ]

After not having any credit of my own about 8 years, I recieved a preapproval from Citi for the Platinum Select MC. Instant online approval, $8700.00.

 

I was/am an AU on several of my wife's cards. Two of the highest were Chase $8014.00 CL and Lowes $10000.00 CL.

 

ETA: This was six months ago.

Mine- Amex BCE $11.1 / Citi Diamond Preferred WMC $12K / Citi Double Cash WMC $3.8K / Comenity Total Rewards Visa $2.5K / Citi Home Depot $5K / DW's- I'm AU on most- Amex BCP $12K / Chase Freedom Visa $11014.00 / PenFed Platinum Rewards Visa Signature $6K / Citi Simplicity MC $4.4K / GE Lowes $10K / GE CareCredit $5K
myFico Scores as of 10/03/2014
Equifax 798 / Experian 811 / TransUnion 814
Valued Contributor
Posts: 1,264
Registered: ‎09-22-2009
0

Re: Citi Platinum Select and Citi Diamond Preferred cards

I have the Diamond Preferred.  They pulled EX, and my score at the time was 752 (FICO).  AAoA is 12+ years.  CL was/is $11,700.  

EQ FICO - EQ08 - 850 - 01/01/15
TU FICO - TU08 - 850 - 01/01/15
EX FICO - EX08 - 850 - 01/01/15
EX FICO - V2 - 840 - 01/01/15
EQ FICO - EQ04 - 818 - 01/01/15
EQ FICO - Bankcard Enhanced 8 - 885 - 1/24/15
Contributor
Posts: 94
Registered: ‎09-25-2010
0

Re: Citi Platinum Select and Citi Diamond Preferred cards

Thank you all very much for your feedback, I appreciate it :smileyhappy:

 

I actually happened to receive an invitation to join in the mail today (for the Citi Diamond Preferred card).  The invitiation offers 0% for 15 months, but Citi's site offers it for 18.

 

I'll do a bit more research, and see if anyone else has any feedback to share.

 

Thanks again!

Valued Contributor
Posts: 1,129
Registered: ‎01-20-2011
0

Re: Citi Platinum Select and Citi Diamond Preferred cards

 


BoSox617 wrote:

Thank you all very much for your feedback, I appreciate it :smileyhappy:

 

I actually happened to receive an invitation to join in the mail today (for the Citi Diamond Preferred card).  The invitiation offers 0% for 15 months, but Citi's site offers it for 18.

 

I'll do a bit more research, and see if anyone else has any feedback to share.

 

Thanks again!


 

Don't ever read city invitation in the mail as anything sensible. Most other banks send you a invite/pre approval based on some pre set credit criteria and you have a decent chance of approval. With city, they send you invite based on some strange criteria (nothing to do with credit). I got invites for citi AA visa signature when my credit history was 1 month old. This invite was probably because I took a few AA flights and agreed to receive promotional mails from their partners while signing up for AA Frequent Flier thing.

Amex PRG | BoA Cash rewards 35K | BoA Cash rewards 7K | Citi AAdvantage 15 K | Chase Sapphire Preferred 11 K | Chase Freedom 10k | Chase United 5 K | Chase Southwest 5K | Chase Airtran 6.4K | Discover IT 8K | Barclays US Airways 7.8 K | DCU 3 K | US Bank Flex Perks 8K | Toys r US 6 K | JC Penney 4.6 K | Macy's 1200 | Kohl's 600
Ex Fico: 762 (PSECU)
EQ Fico: 764 (DCU)
TX Fico: 773 (Discover)
Contributor
Posts: 94
Registered: ‎09-25-2010
0

Re: Citi Platinum Select and Citi Diamond Preferred cards

Thanks vish1, I realize that an invite does not guarantee an approval.

 

I meant my comment in a "what a funny coincidence" sort of way, rather than a "I've gotta be approved!  Yay!"  sort of way :smileywink:

 

But thanks for looking out! :smileyhappy:

Frequent Contributor
Posts: 423
Registered: ‎10-25-2010
0

Re: Citi Platinum Select and Citi Diamond Preferred cards

We have the Platinum Diviidend Select.

 

Don't remember what they started my hubby with but it's now 26k. It's also my favorite card. Hubby called a few months ago to get the APR lowerd. Went from 14.24 to 9.99 for six months. Was told if he doesn't like the rate after 6 months, to call back and they'll lower it again. I mean c'mon, what bank does that?!


Starting Score: 600s
Current Score: EQ 08 798 on 5/28/14, TU 792 on 5/27/4 via Barclay, EX 798 on 5/28/14
Goal Score: 760


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