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@CreditScholar wrote:I was pre-qualified for their AA and Simplicity cards. Neither are of any interest to me, but just for another data point.
Had you ever received mailings about those cards?
@Revelate wrote:
@tcbofade wrote:Hmph. Ran both myself and DW through it...and we're not prequalified for any of them either...
I think in part you need to be on their radar to begin with. I won't know till I pull my annual reports next year, but I'm uncertain that a SP is actually done in all cases with pre-qual sites. Hopefully someone else who has the ability to see their SP's in semi-short order will play with it and report back.
I can tell you that they are not soft pulling ex or eq because I can see the soft pulls from those reports however TU hates me so I can't check them.
@RonDawg wrote:
@Revelate wrote:
@tcbofade wrote:Hmph. Ran both myself and DW through it...and we're not prequalified for any of them either...
I think in part you need to be on their radar to begin with. I won't know till I pull my annual reports next year, but I'm uncertain that a SP is actually done in all cases with pre-qual sites. Hopefully someone else who has the ability to see their SP's in semi-short order will play with it and report back.
I can tell you that they are not soft pulling ex or eq because I can see the soft pulls from those reports however TU hates me so I can't check them.
That's 95% confirmation in my opinion; in my case I won't know till I get my annual EX since every lender on the planet seems to want that report from me, and historically Citi has followed the standard national lender distribution EX/EQ >> TU for pulls.
I have received mailings from Citi, but I'm not sure what cards they were about. Up until they released the Hilton Reserve card, I haven't had any interest in their cards so I just threw out the envelopes without opening them. Those 2 cards were clearly chosen based on my current profile. They can see that I like airline cards as I currently have 2, both with decent-sized limits. I have a feeling they also included the Simplicity for the 18 month 0% BT option, since my credit reports show a balance of around 10k every month on my Chase cards. To them it might look like I'm carrying a 10k balance that I'm struggling to pay off, but in reality I charge around 10k every month and PIF after the statement cuts.
@bs6054 wrote:
@CreditScholar wrote:I was pre-qualified for their AA and Simplicity cards. Neither are of any interest to me, but just for another data point.
Had you ever received mailings about those cards?
They didn't match me to anything, but when I sign into their deposit accounts side, I get an offer for Thank You Preferred: 15000 thank you points after $1000 in spending, 12 months no interest and 5 points per dollar at drugstores, supermarkets, and gas stations.