Credit Cards

[tray]

Hi everyone, has anyone else recieved a pre-approval offer lately from citi for their platinum select card.  Has anyone applied for this offer on line before and was DENIED.  I am really surprised to get this letter in the mail today, ? if I should just bite the bullet, go all out and take my chances.  Letter has personal pre-approval number, 0% balance transfers until 12/01/10, 0%APR on purchases until 12/01/10 then 18.99% variable after that, also offering extra cash from citi stating you'll automatically earn extra cash on 10% of purchases made with the card also giving a 100 bonus dollars to get started. I noticed there is a soft pull inquiry on my EX report from Citi. If I apply for this card, I will end up being in the gutter for a while, but would like this PRIME card.  Any polls out there.  Thanks for any information.

[blacklotus]

IMHO I'd recommend you app for this card.  I have this card it's a very good card.  I think they have different tiers of this card if you get approved please post!

[Woolfman]

I got a pre-approval in the mail a couple months ago . I almost resisted , Im glad i didnt . I was approved for 12.5k  with the 9 months 0% and then 12% i believe .  My scores at that time were high 600's  AAOA at a year . Oldest account 2 yrs.

[tray]

On a different site it states for Citi card platinum

11% Rate 1

15.99% Rate 2

19.99% Rate 3

I quess maybe I could be rate 2 or 3 on approved app states Prime rate+ 15.74%, currently 18.99%  can anyone shed some light.  Thanks

[nurse81]

I also received a pre approved offer. Thanks to the forums, i applied online and received an approval for 6500 with interest free for 18 months, with an interest rate of 13.99% following.  Thanks for the info, I was not going to apply.    My credit scores last december was 726 and 723 with large balances holding me back.   I paid down a car last month and am paying off two interest-free cards this month.  Thanks again for the info, I thought it was a fake offer.

[ALP]

I received the offer for this card, except the APR offered after 18mo's was 13.99%.  I decided not to apply as i have 2 accounts less than 6 months old.  I don't think citi likes new accounts.  It feels good to be receiving prime offers, but I think I'll sit tight for a while and get some account age. 

I AM curious as to everyone's results who did apply

[OnTheRebound]

I recieved this offer yesterday. After thinking about it all day trying to muster enough nerve to pull the trigger I finally did it. It was the longest 18 seconds of my life (I timed it). I was expecting a quick "Hell NO". Instead was instantly appoved for 8.7K 0% on purchase and balance transfers until 11/01/11 13.99% thereafter. $30 statement credit after making $30 in purchases in the first 3 months.$100 bonus dollars in Extra Cash upon approval. Now mind you, this is very imppresive considring where I came from (long pathetic story). I almost fell out my chair.

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tray wrote:

Hi everyone, has anyone else recieved a pre-approval offer lately from citi for their platinum select card.  Has anyone applied for this offer on line before and was DENIED.  I am really surprised to get this letter in the mail today, ? if I should just bite the bullet, go all out and take my chances.  Letter has personal pre-approval number, 0% balance transfers until 12/01/10, 0%APR on purchases until 12/01/10 then 18.99% variable after that, also offering extra cash from citi stating you'll automatically earn extra cash on 10% of purchases made with the card also giving a 100 bonus dollars to get started. I noticed there is a soft pull inquiry on my EX report from Citi. If I apply for this card, I will end up being in the gutter for a while, but would like this PRIME card.  Any polls out there.  Thanks for any information.

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[ALP]

Heh, these approval stories are making it difficult to resist the urge to apply.   Hasn't anyone got denied yet??? 

[laz98]

we didn't get a pre-approval letter, but we just got this card at the end of july.  no complaints so far.  might get another just to BT everything faster.

i noticed in your first post though that you said you only get 0% BT til december of this year.  is that right?  on their website, they are giving out 18 months.  we also got 0% for the first year on purchases.  seems like it might be better not to go through the pre-approval.

[quababy]

i applied last tuesday got approved for 4800 my fico score was 718 i was wondering for the people who have the card how long did it take to come by mail...