TO APP OR NOT TO APP?

[LadyJEsq]

Maybe it depends on the CC, but my Citi app, TY Preferred I think, was a double HP. 

[K-in-Boston]

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@Anonymous wrote:

I have crossed Citi off my list for anytime soon since I'm only about 2 years post BK7, but I'm also an avid Costco shopper and it's a card I hope to have some day.

For kicks and giggles I went to the pre qual page and put my info in... at the top in big bold letters it says something like "we couldn't match you to a pre qualified offer, but see these other 4 cards you might like" 

@Anonymous Costco anywhere is by itself at the top with a single APR of 16.24% - I think thats what it said.  Then below that are 4 more cards with ranges... So to investigate some more I went straight to the Citi cc page to look at all of them and the Costco is listed there as well @ the same APR so.... I'm not sure how solid it is, unless it actually said "congrats you are pre-qualified for the Citi Costco card".

Best of luck if you decide to apply and let us know how it goes.

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Certainly this is an important thing to look for.  I just tried to do it so I could screen cap that, but I'm currently prequalifying for the ThankYou family of cards so no help here.  Even in incognito mode both of the Costco cards are 16.24% for me, so it looks like that card has the same APR for all cardholders.  OP, please double-check that it's truly a prequalification.

[K-in-Boston]

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@LadyJEsq wrote:

Maybe it depends on the CC, but my Citi app, TY Preferred I think, was a double HP. 

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And I just looked up my inquiries...  My Diamond Preferred was an EQ/EX double-hitter.

[Anonymous]

This is what I get:

[LadyJEsq]

That's a real prequal, good luck if you plan on apping. 

[Anonymous]

Just wanted to add I had the exact same prequal and was instantly denied. Called for EO recon and still denied. Of course your results may be different.

[Anonymous]

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@Anonymous wrote:

This is what I get:

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Good luck whatever you decide but that looks like a great card especially if you shop at Costco.  Don't see how Citi is making money off this card.

[Total80sKid]

I, too, was approved for a Citi card recently (Costco), with a SL of $4k with no pre-quals.

Good luck

[Anonymous]

No advice on whether to app or not, but the apr is a single rate for all cardholders.

[NRB525]

Maybe already stated, but on that Citi prequalification page, do you get other card offers, from cards that have ranges of APR as single APR? If you search for travel cards, does the American Airlines card turn up with a single APR? If not, then I have to doubt the strength of the offer.