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Regular Contributor
ashkev89
Posts: 228
Registered: ‎07-21-2008
0

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)
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Regular Contributor
psychoinhell
Posts: 565
Registered: ‎06-12-2010
0

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
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Established Contributor
searchingfor67
Posts: 665
Registered: ‎08-02-2011
0

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)

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Established Member
sureno90
Posts: 57
Registered: ‎05-04-2012
0

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
sureno90
Posts: 57
Registered: ‎05-04-2012
0

Re: Is citi hard to get approved?

Thanks for letting me know :smileyhappy:

Established Member
sureno90
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
tinuviel
Posts: 4,875
Registered: ‎11-02-2010
0

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
CS800
Posts: 6,552
Registered: ‎04-07-2008
0

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
sureno90
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
sureno90
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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