Is citi hard to get approved?

[Anonymous]

So far, Citibank has been very friendly. I have the Diamond Preferred MasterCard. Personally next year I want to apply for the Simplicity Card. It has zero percent for 18 months.

Good Luck on your quest

[Anonymous]

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@sureno90 wrote:

Btw.. does anyone know which cards are good?

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That truly depends on your spending habits and what you seek in a card.  I honestly do not think we can answer that question for you.

I would like to add, with only 3 inqs in the past two years, your score, depending on your income, you are pretty much a shoe in for a Citi card.

Personally I went for a Thank You card because it had a nice 0% promo offer and I believed it was the best Citi card that I could get approved for.  If my score had been better I would have done more research.

[searchingfor67]

Citi pulled my Experian report back in Oct 11. At the time, I had 2 inquires and my score was 760ish. I was approved for a $9400 cl, and it remains at $9400 to date.

[sureno90]

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@Anonymous wrote:

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@sureno90 wrote:

Btw.. does anyone know which cards are good?

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That truly depends on your spending habits and what you seek in a card.  I honestly do not think we can answer that question for you.

I would like to add, with only 3 inqs in the past two years, your score, depending on your income, you are pretty much a shoe in for a Citi card.

Personally I went for a Thank You card because it had a nice 0% promo offer and I believed it was the best Citi card that I could get approved for.  If my score had been better I would have done more research.

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I need a mastercard not a visa.. and most of their best cards are visa. I know that the simplicity card has a mastercard version and diamond preferred is too. I called the backdoor number to see if I apply if I could request the Divident Platinum to be mastercard and the rep said no but I could get the Platinum Select. Aren't they all pretty much the same?

[sureno90]

Thanks for letting me know

[sureno90]

Btw.. a couple months ago citi some how ran my credit which I didn't apply for anything.. I disputed it and they took the inquiry from my report off.. do you think they would deny me because of that? lol dumb question

[tinuviel]

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@sureno90 wrote:

Btw.. a couple months ago citi some how ran my credit which I didn't apply for anything.. I disputed it and they took the inquiry from my report off.. do you think they would deny me because of that? lol dumb question

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I don't know for sure, but I wouldn't think so. After all, you did nothing wrong.

[CS800]

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@Anonymous wrote:
So far, Citibank has been very friendly. I have the Diamond Preferred MasterCard. Personally next year I want to apply for the Simplicity Card. It has zero percent for 18 months.

Good Luck on your quest

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Ash, did you recently get the diamond preferred?

[sureno90]

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@tinuviel wrote:

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@sureno90 wrote:

Btw.. a couple months ago citi some how ran my credit which I didn't apply for anything.. I disputed it and they took the inquiry from my report off.. do you think they would deny me because of that? lol dumb question

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I don't know for sure, but I wouldn't think so. After all, you did nothing wrong.

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Oh ok thanks

[sureno90]

Is the diamond preferred and the simplicity pretty much the same?