Pre-Approved for the Citi TY Preferred.

RonDawg · ‎10-19-2012

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?

-Ouch Fell out of the Garden-
AMEX PR Gold, AMEX Blue cash (15k), AMEX Delta (5k), US Bank Premier Line (14.5k), US Bank Cash + (5k), Chase Freedom (5k), Fred Meyer Rewards Visa (7.5k), US Bank Flex Perks Travel Rewards (5k), Discover IT (3.25k), Alerus Financial Visa Signature issued by Elan (10k) and JCPenney (5k..Oldest Account 20 Years)
FICO Score = 785 TU & 739 EQ Goal is 800 TU & 750 EQ
CreditKarma score = 762, CreditSesame score = 780, Vantage = 861

SnackTrader · ‎09-15-2012

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?

In My Wallet: Amex BCP (12/12) $13,500, Cap1 Cash Rewards (6/12) $9,000, Barclaycard Arrival (5/13) $7,500, Citi Forward (12/12) $6,500, Chase Freedom (12/12) $5,000

In The Garden!

Last App: May 21, 2013

Yankeefan · ‎09-09-2012

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.

RonDawg · ‎10-19-2012

Thanks for the input sounds a lot like the Wellsfargo points credit card.

-Ouch Fell out of the Garden-
AMEX PR Gold, AMEX Blue cash (15k), AMEX Delta (5k), US Bank Premier Line (14.5k), US Bank Cash + (5k), Chase Freedom (5k), Fred Meyer Rewards Visa (7.5k), US Bank Flex Perks Travel Rewards (5k), Discover IT (3.25k), Alerus Financial Visa Signature issued by Elan (10k) and JCPenney (5k..Oldest Account 20 Years)
FICO Score = 785 TU & 739 EQ Goal is 800 TU & 750 EQ
CreditKarma score = 762, CreditSesame score = 780, Vantage = 861

lylesvegas · ‎11-21-2012

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....

Started Gardening Thanksgiving Day 2012 !!

Wells Fargo Cash Rewards / Discover More/ Barclaycard Rewards / Cap One Platinum / Cap One Cash card/ PayPal Smart Connect

dodgeball · ‎10-16-2007

I envy you guys, even with a 680 plus score citi hates me, oh well I guess chase and discover will get my money!

NFCU Cash Rewards Siggy $17.5K, NFCU Flagship Rewards Siggy $17.5K, NFCU Platinum MC $10K, USAA Amex Rewards $6k, USAA World Mastercard Rewards $6k, NFCU Navcheck $15k

Other Cards - Citibank AAdvantage, Chase Slate, Barclays Rewards,

IN THE GARDEN UNTIL APRIL 2014

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Credit Cards

Pre-Approved for the Citi TY Preferred.

Re: Pre-Approved for the Citi TY Preferred.

Re: Pre-Approved for the Citi TY Preferred.

Re: Pre-Approved for the Citi TY Preferred.

Re: Pre-Approved for the Citi TY Preferred.

Re: Pre-Approved for the Citi TY Preferred.