Citi invitations

[meka1984]

Hello everyone,

Citi keeps inviting me to apply for several of their cards (American Airlines and Diamond Preferred). 

I am really scared to apply because I have been rebuilding and gardening this year and have many inquiries on my CR due to search for a car loan which I did obtain. 

What does CITI look for?

[tsquad131]

they dont like a lot of inquiries in short periods of time is what the csr's always told me. whenever i called in for recon they said i wouldve been approved but i have too many recent inquiries which is within 6 months to them. other than that i have no baddies, aaoa is 1.5 years, and 3 years total history

[meka1984]

Thanks...I think I may wait because I don't want to waste an inquiry knowing that they are not keen about them within a short period of time. 

Does anyone know if Citi gives pre-approvals?

[tsquad131]

yes they do thats how i apped for mine because ive been denied mutiple times in the past with them but i recently received a preapproval in the mail and apped through the invitation code and was shocked because i was instantly approved.

[meka1984]

Thanks.

I will try and wait for that because I keep receiving the invitations. 

[Prettylady1]

When you apply for an auto loan in a short time period fico counts that as only 1 inquiry.

[meka1984]

It only counts as 1 inquiry for scoring purposes.

However, when your credit is ran with multiple lenders each lender is shown on the credit report as a hard inquiry and it can potentially effect credit decisions.