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Regular Contributor
Posts: 228
Registered: ‎07-21-2008
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Re: Is citi hard to get approved?

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

Starting Score: 475 09/2008
Current Score: 07/2012 EX:696 (BOFA & Amex Fico) EQ:707 (CU Pull) TU:708 (Walmart FIco)
Goal Score: To Be in the 800 Club!!!!!!


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Regular Contributor
Posts: 565
Registered: ‎06-12-2010
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Re: Is citi hard to get approved?


sureno90 wrote:

Btw.. does anyone know which cards are good?



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.


Starting Score: 600ish in 2007
Highest Score to date: EQ 716 May 2012(lender pull)
Current Score: EQ 685 6-21-12 ; Walmart TU Fico 744 6-05-12
Goal Score: 801
Established Contributor
Posts: 665
Registered: ‎08-02-2011
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Re: Is citi hard to get approved?

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.

TU FICO: 772 (Discover) • Exp FICO: 772 (Citi)

Amex BCE $13K | Amex Costco TE $10.4K | Amex SPG $5K | Chase Freedom Visa Signature $15K | Chase Sapphire Preferred Visa Signature $15K | Chase Ink Plus World Elite MC $5K | Citi TY Preferred World MC $10.1K | Citi Forward $10K | Citi Diamond Pref $7.6K | Discover IT $9.9K | JP Morgan Chase Select Visa Signature $9.2K | NFCU CashRew Visa Sig $25K | NFCU LOC $15K | NFL Visa Signature (Saints) $8.1K | USAA Amex $11.3K | USAA World MC $11.5K
Established Member
Posts: 57
Registered: ‎05-04-2012
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Re: Is citi hard to get approved?


psychoinhell wrote:

sureno90 wrote:

Btw.. does anyone know which cards are good?



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.


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?

Established Member
Posts: 57
Registered: ‎05-04-2012
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Re: Is citi hard to get approved?

Thanks for letting me know Smiley Happy

Established Member
Posts: 57
Registered: ‎05-04-2012
0

Re: Is citi hard to get approved?

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

Moderator Emeritus
Posts: 4,875
Registered: ‎11-02-2010
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Re: Is citi hard to get approved?


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


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


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
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Super Contributor
Posts: 6,672
Registered: ‎04-07-2008
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Re: Is citi hard to get approved?


ashkev89 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

Ash, did you recently get the diamond preferred?




Established Member
Posts: 57
Registered: ‎05-04-2012
0

Re: Is citi hard to get approved?


tinuviel wrote:

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


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


Oh ok thanks

Established Member
Posts: 57
Registered: ‎05-04-2012
0

Re: Is citi hard to get approved?

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

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