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Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: Citi will not leave me alone....................


Open123 wrote:

Nothing compelling?  :smileyvery-happy:

 

Would you take a HP for a CLI on Discover?


I'm not taking a HP for anything until January 2015. 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Valued Contributor
RockinRay
Posts: 1,938
Registered: ‎08-13-2007

Re: Citi will not leave me alone....................


LS2982 wrote:

Open123 wrote:

Nothing compelling?  :smileyvery-happy:

 

Would you take a HP for a CLI on Discover?


I'm not taking a HP for anything until January 2015. 


Way to go!  :smileyhappy:

Ray

** Every Card has a Job, and Every Card does its Job **

Contributor
leoment
Posts: 225
Registered: ‎11-25-2012

Re: Citi will not leave me alone....................

Citi is nothing if not persistent - they've sent me the app for the Simplicity card and the Thank You card almost on a weekly schedule. I only want the Preferred though!


Building the perfect card portfolio, one app at a time.
Available credit: $60+k
Discover TU 1/14: 776
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Planned apps: NONE! Gardening indefinitely! - Gold Spade 1/26/14
Established Member
Affalterbach
Posts: 25
Registered: ‎11-01-2012

Re: Citi will not leave me alone....................

I've gotten more diamond preffered pre-select letters then I can count. Been going on for around 6 months ever since my last little spree. Funny thing is the offers have gotten worse with time! Started at like 11.9% and now I get 18.99%. They're mad I've been ignoring their advances I guess? Lol 

 

I'm actually probably going to go for a Citi card next spree in August. Just waiting for a big judgement for medical bills to fall off my TU report next month sometime so I have a perfectly clean slate on all 3 reports. 

Started - Under 500's due to medical bills
Current - EQ MYFICO - 767, TU WalMart Fico - 779, EX Plus - 744 Credit Karma - 709
Goal - 800+ across the board
NFCU Cash Rewards $20,000Chase Freedom $2,000, Capital One Platinum $1,500, Walmart Store Card $3,600, AMEX Green Card.
Moderator
LIGHTNIN
Posts: 4,045
Registered: ‎03-24-2008

Re: Citi will not leave me alone....................

Oh Citi loves me too. If I don't get a bill in my mailbox, there's a blue envelope from citi.

 

This month they are pushing the 0% intro apr for 21 months on bal trans and purchases, then 11.99% variable apr. 

But that apr will vary with the market based on the prime rate.Dont know, if I like that so much.

 

But I may use it for the 21months 0%, I have some car repair debt on another CC, that just ran out the 0% intro time.

FICO's Oct 2013 TU711 EQ713 EX723~~Live below your means and always keep an emergency fund -Love Everybody ~ Big Kenny ~ Big and Rich ~~~~~Credit Scoring 101 - Common Abbreviations - Freq Req Threads - Free Credit Reports - What Steps Do I Take?DV? PFD?
Valued Contributor
RockinRay
Posts: 1,938
Registered: ‎08-13-2007

Re: Citi will not leave me alone....................


RockinRay wrote:

 

They send my wife quite a few invites - she already has the Diamond Preferred.

 

I never get anything from them.  :smileymad:


LOL - my wife just got another offer yesterday! Thsi time it was for the Thank You Preferred.  :smileyvery-happy:

Ray

** Every Card has a Job, and Every Card does its Job **

Established Contributor
Simply827
Posts: 650
Registered: ‎10-15-2012

Re: Citi will not leave me alone....................


Affalterbach wrote:

I've gotten more diamond preffered pre-select letters then I can count. Been going on for around 6 months ever since my last little spree. Funny thing is the offers have gotten worse with time! Started at like 11.9% and now I get 18.99%. They're mad I've been ignoring their advances I guess? Lol 

 

I'm actually probably going to go for a Citi card next spree in August. Just waiting for a big judgement for medical bills to fall off my TU report next month sometime so I have a perfectly clean slate on all 3 reports. 


Same thing happened to me lol. The bonus offers for the TY went from $400 (I think, but I couldn't find it) to $350 to $100 to none. Also the APRs kept rising.


Starting Score: 515
Current Score: EQ 667 EX 670 TU 683
Goal Score: 700+

PSECU $10000 | Discover IT $9250 | DCU $5000 | Chase Freedom $4000 | Citi TYP $3500 | Barclay Ring $3500 | PayPal Extras MC $3000 | Cap 1 Platinum $1700 | Cap 1 QS One $1500 | Union Plus $1000 | Target $200
Moderator
Shogun
Posts: 12,884
Registered: ‎04-15-2011

Re: Citi will not leave me alone....................

Get them constantly.  In fact, they're one of my shredder's favorite flavors.  :smileyhappy:


Starting Score: 504

July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+

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Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
Frequent Contributor
Odiseous
Posts: 286
Registered: ‎03-08-2011

Re: Citi will not leave me alone....................


LS2982 wrote:

Every week I got some kind of offer from them. :smileymad:

 

I have no interest in new accounts but you keep swinging a steak over a lion eventually they're gonna bite!!!!

 

UGH!! :smileyvery-happy:


Like Shogun mentioned. It's food for the shredder.  Remember, your shredder gets hungry too.

TU98 751, EQ 766, EX 766 (Lender)

If at first you don't succeed; Garden for 6 months, then try again.

Work the system. Don't let the system work you.
Frequent Contributor
Odiseous
Posts: 286
Registered: ‎03-08-2011

Re: Citi will not leave me alone....................


kilj0y wrote:

Chase is the same way with me, I apped for CSP and approved, they send out freedom offers, I just got approved for freedom now they are sending slate offers! lol


Perhaps they have a Pokemon mentality.

 

TU98 751, EQ 766, EX 766 (Lender)

If at first you don't succeed; Garden for 6 months, then try again.

Work the system. Don't let the system work you.

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