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Pre-Approved for the Citi TY Preferred.

Contributor

Pre-Approved for the Citi TY Preferred.

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?

AMEX Platinum, AMEX Blue cash (10k), AMEX Delta (10k), US Bank Premier Line (14.5k), US Bank Cash + (7.5k), Chase Freedom (5k), Fred Meyer Rewards Visa (7.5k), US Bank Flex Perks Travel Rewards (5k), Discover IT (9.5k), Chase Sapphire Preferred (8k), Alerus Financial Visa Signature issued by Elan (10k), BofA Cash Rewards (10k), Citi Thankyou Pref (6.5k) TU FICO Score = 807, EQ FICO Score = 780, EX FICO Score = 780,
CreditKarma score = 785, CreditSesame score = 773, Vantage = 903
5 REPLIES
Valued Contributor

Re: Pre-Approved for the Citi TY Preferred.

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) $50,000, Chase Freedom (12/12) $16,500, Cap1 Quicksilver (6/12) $14,000, Barclaycard Rewards (5/13) $10,500, Citi Prestige (4/16) $30,000

Last App: June 27, 2015
Valued Member

Re: Pre-Approved for the Citi TY Preferred.

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.

Contributor

Re: Pre-Approved for the Citi TY Preferred.

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

AMEX Platinum, AMEX Blue cash (10k), AMEX Delta (10k), US Bank Premier Line (14.5k), US Bank Cash + (7.5k), Chase Freedom (5k), Fred Meyer Rewards Visa (7.5k), US Bank Flex Perks Travel Rewards (5k), Discover IT (9.5k), Chase Sapphire Preferred (8k), Alerus Financial Visa Signature issued by Elan (10k), BofA Cash Rewards (10k), Citi Thankyou Pref (6.5k) TU FICO Score = 807, EQ FICO Score = 780, EX FICO Score = 780,
CreditKarma score = 785, CreditSesame score = 773, Vantage = 903
Contributor

Re: Pre-Approved for the Citi TY Preferred.

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....Smiley LOL

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Established Contributor

Re: Pre-Approved for the Citi TY Preferred.

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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