Credit Cards

[shiftomnimega]

I was denied a citi forward card that I discussed here. 

Last week I received a pre-approved offer for the Citi Platium Select Mastercard.  A friend suggested I call citi and just ask them to accept me for a citi forward instead.  Once they start processing my application won't they see that they've denied me credit in the past couple months?

For those that are curious it is 0% APR on purchases and balance transfers until 1 Sep 2011 and 16.99% after that.

Advice?  Thanks in advance.

[smc733]

Are you a Citibank member?  Back when I still had a bank account at Citi, they told me I was "pre-selected" for a Plat Select (which I do have now), but that's when I was building my credit with a secured card before I even had a credit history.

[shiftomnimega]

I am not banking with them.

I still think that Citi Forward gives me a better return on my rewards considering my spending history.  I already have Blue Cash AMEX and PenFed Visa, but I need something that earns plenty of rewards for restaurants and books.

[johnson_long]

Looking at the other thread,, I wouldn't waste another INQ with CITI until you've tried getting the CO deleted from your reports,,

Those pre-selected offerers are invitations to apply,, getting one doesn't mean you will get the card ... And since CITI recently denied you, they likely will again,

.

[vish1]

Be very careful with cirty, they can send you crazy invites which dont mean anything. Exactly like you, I applied for citi (dun recall wat card) once and was denied and a few days later I got a invitation in my snail mail to invite me to apply for some card. Like a stupid I did and got denied again (2 inq wasted).

last week I got a invite from city to apply for one of their exclusive American Airlines card (this one gives you 75k miles and is not available for application on their website). I know for sure that I am not even close to what I need for that visa signature exclusive card. I am at about 680-690 (FICO on my EQ) and history only 1 year old.

I will say, do not apply...

[JMN]

Pre-selected is a HUGE difference between pre-qualified. Pre-selected is simply an offering to apply, and in most cases, they have not even reviewed a basic profile of your credit.

I've had pre-selects instantly get denied at my job. Unless it contains 'Opt-Out' info/disclosure in the paperwork, don't consider it a firm offer unless you already have stellar credit. Even with the 'Opt-Out' info, you may still get declined.