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Senior Contributor
youngandcreditwrthy
Posts: 6,233
Registered: ‎08-16-2012
0

What report gets pulled for Citi Diamond Preferred?

This is the absolute last card I desire for my collection, except maybe the HHonors Amex; it will replace my Paypal Extras Plat MC. I hesitate to apply right now because I have on avg about 3 inqs on each report in the past six months, and closer to nine in a two year period on avg. on each report.  I assume I'd be approved with prob a $3-4k limit.  I want to apply prob in January... maybe March or April.....two or three more inqs should fall off by then. I have like 6-7 from Jan - Aug of 2011 (idk why I applied so much!! ugh)

util: 11% (will drop to like 8% in a few weeks)

aaoa:2.5 yrs

student loans: $36k

 

For those of you that have the Citi Diamond Preferred card though,

 

what report did Citi pull??? My scores are all like within 10 or so points of eachother believe it or not.... from like 688 to 709, I believe. 

I reallllllllyyyy want this card, and I don't want a crappy limit either. I'll prob use it for a BT for maybe $5k? Idk lol. I'm really into saving my cash and floating a balance. :-) 

Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $5k| West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Regular Contributor
rudy0720
Posts: 220
Registered: ‎08-10-2012
0

Re: What report gets pulled for Citi Diamond Preferred?

I have 5 Citi cards including Diamond and they pulled Equifax on all 5. I am in Louisville, KY. Check whogavemecredit.com for your state

Citi Thank You Premier Visa Signature-$9K, Citi Thank You Preferred Vis Signature-$8.3K, Citi AA Signature- 8.5K, Citi Simplicity 9.2K, Citi Diamond-6.1K, Lowes-$10K, Chase Sapphire Preferred- $ 5K, AMEX BCE $14.5K, AMEX Starwood Preferred $15K, ,AMEX Everyday-$5K, Fidelity Amex-$10K, US Bank 123 rewards Kroger-$17K, Penfed Platinum Rewards Visa Signature-$30K, Amex Delta-$10K, Barclay Arrival Plus- $10K, Penfed Travel Rewards Amex-$10K, Bank of America Cash Rewards- $14K
Moderator Emeritus
tinuviel
Posts: 4,877
Registered: ‎11-02-2010
0

Re: What report gets pulled for Citi Diamond Preferred?

[ Edited ]

I got a Citi Diamond Preferred this past August and they pulled EQ for me.

 

(ETA) I'm in Florida.


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Senior Contributor
youngandcreditwrthy
Posts: 6,233
Registered: ‎08-16-2012
0

Re: What report gets pulled for Citi Diamond Preferred?

whogavemecredit.com doesn't have too many recent approvals on there.

Interesting.... hmmmm.... I'll have to check my previous reports to see who they pulled before when I got denied with a lower score. I think it was EQ. EQ is my lowest :-/. 

 

what were you guys stats if you dont mind sharing?

like util, aaoa, other debt, scores.. that stuff? oh, and the CLs you were approved for.

Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $5k| West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Moderator Emeritus
tinuviel
Posts: 4,877
Registered: ‎11-02-2010
0

Re: What report gets pulled for Citi Diamond Preferred?


youngandcreditwrthy wrote:

whogavemecredit.com doesn't have too many recent approvals on there.

Interesting.... hmmmm.... I'll have to check my previous reports to see who they pulled before when I got denied with a lower score. I think it was EQ. EQ is my lowest :-/. 

 

what were you guys stats if you dont mind sharing?

like util, aaoa, other debt, scores.. that stuff? oh, and the CLs you were approved for.


Util was1%, AAoA was 8 yrs, oldest account 25 yrs 3 months, no other debt, FICO was 723. I was approved for $6800.

 


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Senior Contributor
youngandcreditwrthy
Posts: 6,233
Registered: ‎08-16-2012
0

Re: What report gets pulled for Citi Diamond Preferred?

Oh! I remember yours Tinuviel! That's a good limit :-)

Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $5k| West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Contributor
teddybearkelli1
Posts: 109
Registered: ‎11-06-2012
0

Re: What report gets pulled for Citi Diamond Preferred?

I am in WA, they pulled EQ.

FICO scores: 790 (EQ) 786 (EX) 796 (TU) |
My Wallet:NFCU CR Visa 24k, AMEX Delta Gd 20k, Walmart Discvr 12k, USAA Plat RA MC 13k, BECU Visa 10k, NFCU NR MC 5k, Sams Discvr 10k, Sportsmans Visa 10k, WF Plat Visa 10k, Paypal Extra MC 10k, BofA Fraternity MC 10k, Sams Credit 10k, USAA World MC 9k, Military Star 8.2k |BOA CR 8k |AMEX Evrdy 8k |Lowes 7.3k | Chase Military Star MC 6k, JCPenneys 5k, Discover IT 5k , Gymboree Visa 4.5k, Sears MC 4k, TJX MC 3.5k, ToysRUS Card 3.5k, Chase Amazon Visa 3k, Home Depot 3k, Citibank Simplicity 4.5k, Amazon Store 2.5k, Fred Meyers Visa 2.5k, Target 2k, Kohls 2k, ITunes Visa 2k, Macys 2k, Barclays Visa 1.7k, Vystar CU Visa 1.5k
Moderator Emeritus
tinuviel
Posts: 4,877
Registered: ‎11-02-2010
0

Re: What report gets pulled for Citi Diamond Preferred?


youngandcreditwrthy wrote:

Oh! I remember yours Tinuviel! That's a good limit :-)


Yes, thanks... I was shocked!

 


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Senior Contributor
youngandcreditwrthy
Posts: 6,233
Registered: ‎08-16-2012
0

Re: What report gets pulled for Citi Diamond Preferred?

So the consesus is that they pull EQ....

 

 

I just feel like if I apped now... Amex would deny my 3xcli, AND I would get a crappy limit lol. like $1k or $2k. Who knows though! My eq is only 688 :-/

Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $5k| West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Frequent Contributor
bluesnowman
Posts: 464
Registered: ‎10-29-2012
0

Re: What report gets pulled for Citi Diamond Preferred?

I know it is a different card, but I applied for the Citi Forward, and I'm in California. They pulled Experian here. 

Bank of America: Cash Rewards.-1,000. 4/25/12 (CLI Increase 6/15/13), Citi: Forward- 3k. 10/27/12 (CLI on 2/8/14, SP). Discover: More- 2k. 10/27/12 (Increase 6/1/14). Amex: PRG- NPSL (closed 12/13/13). 11/24/12. Chase: Freedom. 5/1/13- 2.4k. Southwest Rapid Rewards Plus.-3.6k. 6/15/13. Amex BCE-2k. 12/7/13. Amex SPG-4k.12/8/13. Last App: 1/8/14.

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