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Is citi hard to get approved?

Regular Contributor

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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Message 11 of 20
Regular Contributor

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
Message 12 of 20
Established Contributor

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
Message 13 of 20
Established Member

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?

Message 14 of 20
Established Member

Re: Is citi hard to get approved?

Thanks for letting me know Smiley Happy

Message 15 of 20
Established Member

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

Message 16 of 20
Moderator Emeritus

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)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Message 17 of 20
Super Contributor

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?




Message 18 of 20
Established Member

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

Message 19 of 20
Established Member

Re: Is citi hard to get approved?

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

Message 20 of 20