12-21-2012 06:47 PM - edited 12-21-2012 06:53 PM
Okay I got a pre-approval in the mail for the Citi TY preferred card. I know very little about Citi only that they do the points. Now the rate they want to give me is 11.99 for this card and -0- financing for 18 Months but that does not impress me much because I don't carry a balance. Anyone tell me if the TY preferred is worth a hard pull to get?
12-21-2012 07:54 PM
It depends on your needs, but there is no real rewards structure to speak of, and EVERYONE has been getting preapprovals for them IIRC.
Is there a gap in your credit profile you are looking to fill?
12-21-2012 08:30 PM
I reciently apped for the CY Preferred. My scores were within a few points of yours, and I was approved instantly for 6.5k. At the time my next highest limit was a 1k CapOne card. It was a welcome credit line w/ flexible limit showing on my CR's. As stated above, there isn't a great reward structure but it helps with utilization. If you want cash or rewards there's better out there.
12-21-2012 10:02 PM
Thanks for the input sounds a lot like the Wellsfargo points credit card.
12-22-2012 06:26 AM
RonDawg....You are in the garden according to you're siggy so you can't come out without at least 10 forum member approvals.....LOL....
12-22-2012 07:00 AM
I envy you guys, even with a 680 plus score citi hates me, oh well I guess chase and discover will get my money!
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