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Frequent Contributor
CreditCard101
Posts: 401
Registered: ‎02-23-2009
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Re: Citibank pissed me oFF

Yeah they pulled Equifax and i pull my credit report and score from Equifax and it says 733 and in VERY GOOD categories..The inquiries in my CR is killing me..But it shouldn't be a major factor in making decision.

 

Frequent Contributor
illtakecreditforthat
Posts: 320
Registered: ‎05-03-2009
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Re: Citibank pissed me oFF

CreditCard101,

 

From my experience with CITI, your approval many times depends on the card you apply for.  For example, you have better chance being approved for the basic Diamond Preferred than the Platinum Select, Elite Pass, or co-branded (HHonors, Amex).  When first applying, and if you don't have a long payment history with high CLs, apply for their basic cards (i.e. Diamond Preferred, Forward).  After a reasonable payment history with those cards, CITI is more than willing to transfer your card to a different one, if you so desire

I want PATIENCE...and I want it NOW
Senior Contributor
smallfry
Posts: 4,831
Registered: ‎04-20-2007
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Re: Citibank pissed me oFF

Platinum Select is an elite Citi card? In what way?
Valued Contributor
athensguy
Posts: 1,291
Registered: ‎02-26-2008
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Re: Citibank pissed me oFF


smallfry wrote:
Platinum Select is an elite Citi card? In what way?
The previous poster was probably referring to the Premier Pass Elite.

However, although I didn't even realize that the Dividend Mastercard was still offered, the Platinum Select cards have historically been a little harder to get than the Diamond Preferred cards.
Regular Contributor
CHARGE_IT
Posts: 193
Registered: ‎07-13-2008
0

Re: Citibank pissed me oFF

Perhaps you missed the (,) between the words "select" and "elite".

 

CI


smallfry wrote:
Platinum Select is an elite Citi card? In what way?

 

Frequent Contributor
illtakecreditforthat
Posts: 320
Registered: ‎05-03-2009
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Re: Citibank pissed me oFF

smallfry,

 

CITI classifies the Diamond Preferred the way other CCCs might classify a Gold card.  The point is that Platinum Select is higher up the food chain (better rates, better rewards, higher CL), thus more "select" (as the card states).  

I want PATIENCE...and I want it NOW
Frequent Contributor
CreditCard101
Posts: 401
Registered: ‎02-23-2009
0

Re: Citibank pissed me oFF

How would a person knows which card is easier for approval or not? There is no way to tell...

However I did apply for the Platinum Dividend Select Mastercard. Now when i resubmitted my application again on June 2nd on Tuesday. They didn't need pull a new credit report { I haven't seen any inquiries on my CR yet}, however it did show a new report is being generated with new update information. And they deny me this time for having too many inquiries, and so I request for a reconsideration. So they ask me to mail/fax in a hardcopy of my new report to re-evualate the application.So I dont really know if they actually see my new credit report or not but I'm going to mail in my new update credit report for them to prove that all the errors have been removed and my credit report are fresh and clean.

 

 

 

Frequent Contributor
illtakecreditforthat
Posts: 320
Registered: ‎05-03-2009
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Re: Citibank pissed me oFF

Good luck on the recon.  If you have trouble discussing your concerns with a CSR, don't hesitate to request to speak with a credit manager.  More discretion and understanding at that level.

 

The way to discern the "easier" approval cards is to navigate their web site.  CITI offers 31 cards.  On their web site, you can check terms and conditions for each card.  Normally, rewards and co-branded cards (HHonors, Amex) are more difficult.  CITI will tell you the minimum credit issued for each card ($500.00/$1000.00/$2000.00).  The cards with the lowest minimum credit amounts generally would be more prudent for someone without excellent credit history to apply. 

 

CITI has different telephone number for most of their cards.  I've called a CSR on specific cards to inquire about any specific requirements.  For the most part, they are very helpful.  I've eliminated prospective cards through this process. (i.e HHonors requires a minimum of 9 satisfactory tradelines with significant history)

I want PATIENCE...and I want it NOW
Senior Contributor
smallfry
Posts: 4,831
Registered: ‎04-20-2007
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Re: Citibank pissed me oFF


illtakecreditforthat wrote:

smallfry,

 

CITI classifies the Diamond Preferred the way other CCCs might classify a Gold card.  The point is that Platinum Select is higher up the food chain (better rates, better rewards, higher CL), thus more "select" (as the card states).  


First card I ever got from Citi was the Platinum Select. I've gotten approvals for Pro, Select and Diamond Preferred and I wouldn't give you a nickel for any of 'em.

Regular Contributor
Nmbr1ballr
Posts: 134
Registered: ‎05-07-2008
0

Re: Citibank pissed me oFF

http://www.whogavemecredit.com/ try and use that link.   hopefully it will help
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