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Mega Contributor
Creditaddict
Posts: 18,818
Registered: ‎10-23-2007

Speaking of Black Card!

Someone just used a CITI DIAMOND PREFERRED CARD in my store. ULTRA PRETTY. Black with Shiny silver lettering.
 
Looked way exclusive. sorry im easily impressed with credit cards.
 
This hard to get, special in any way?
Fico Scores: EQ 639 Navy, TU 665 GE, EX 677 Prosper (07-09-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Fidelity Amex $25k (AU)
Lowest Limit: Buckle $250
Over 30 Cards in between :smileytongue:
Moderator Emeritus
cheddar
Posts: 6,794
Registered: ‎09-29-2007

Re: Speaking of Black Card!

Nope, not special at all.  I agree with you that it's an attractive card, but it's actually one of the easier Citi cards to be approved for.
 
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App free since 7/11/08.
TU 744 / EX 710 / EQ 694 (Starting to slip. :smileysurprised: )
Senior Contributor
FretlessMayhem
Posts: 3,279
Registered: ‎08-03-2007

Re: Speaking of Black Card!

I will vouch for how cool it looks though.
Here we go again...
Regular Contributor
Nmbr1ballr
Posts: 134
Registered: ‎05-07-2008

Re: Speaking of Black Card!

Just curious, not doubting you at all, but when in the FICO card selector, how is the card so easy to be approved for when it only falls under the excellent FICO score category? Are they more lenient then what it actually says?
Score Watch: EQ 767 (6/30/09)
Frequent Contributor
ficonovice
Posts: 440
Registered: ‎08-08-2007

Re: Speaking of Black Card!

Moving forward, all of their Diamond Preferred cards are black with a few enhanced benefits. The card isn't easy to get, but may be easier than other Citi cards. It's a great card to get and is a prime card/company.
Rust never sleeps and neither does my fico score...
Moderator Emeritus
cheddar
Posts: 6,794
Registered: ‎09-29-2007

Re: Speaking of Black Card!



Nmbr1ballr wrote:
Are they more lenient then what it actually says?

Yes.  www.whogavemecredit.com shows approvals in the mid-600s.  A different resource shows about 40 approvals and 2 denials in the last 12 months, with approvals going as low as the 620s.

 
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App free since 7/11/08.
TU 744 / EX 710 / EQ 694 (Starting to slip. :smileysurprised: )
Regular Contributor
Nmbr1ballr
Posts: 134
Registered: ‎05-07-2008

Re: Speaking of Black Card!



cheddar wrote:


Nmbr1ballr wrote:
Are they more lenient then what it actually says?

Yes. www.whogavemecredit.com shows approvals in the mid-600s. A different resource shows about 40 approvals and 2 denials in the last 12 months, with approvals going as low as the 620s.




Ah, nice site. Didn't know about that.
Score Watch: EQ 767 (6/30/09)
Senior Contributor
smallfry
Posts: 4,831
Registered: ‎04-20-2007

Re: Speaking of Black Card!

The DP card does look cool. I don't know what's hard or easy to get. I have been approved for Platinum Select, DP and the Citi Pro. I think the Premier Pass might actually be easier to get but it doesn't report limits and if you wanted to do the combine and close thing down the road I have heard there is some resistance of late to that activity for some people. Citi is a very attractive issuer with their card lineup, the pay passes and virtual account numbers for online purchases. :smileyhappy:
Valued Contributor
debtisgood
Posts: 1,126
Registered: ‎03-25-2008

Re: Speaking of Black Card!

Its funny, ever since I have been on this site I actually know what sort of credit card tier people's cards fall into and I never make comments but I have little chuckles in my head.
Established Contributor
UpNComing
Posts: 684
Registered: ‎05-02-2008

Re: Speaking of Black Card!



Nmbr1ballr wrote:
Just curious, not doubting you at all, but when in the FICO card selector, how is the card so easy to be approved for when it only falls under the excellent FICO score category? Are they more lenient then what it actually says?


I've got one and take a look at my scores.  Although I have high income, I don't have the best scores due to high utilization.
CSP ($5k); Chase MileagePlus Explorer Visa Sig. ($6k); Chase Freedom Visa Sig. ($6k); BankAmericard Cash Rewards Visa Sig. ($5k); Amex PRG (NPSL); Amex BCE ($1k); Citi Thank You ($5.4k); Barclay Apple ($4.2k) CapOne Cash ($2.5k) CapOne Platinum ($2.5k) Wells Fargo Home Project Visa ($10.3k) Discover IT ($1.5k) WalMart ($3k); Lowes ($3k); Amazon ($5k); Kohls($1.5k)

Scores: Equ Fico 715 ~ Exp 724 ~ TU Fico 682

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