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Super Contributor
CS800
Posts: 6,108
Registered: ‎04-07-2008

Re: What's the best citi card?

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‎10-24-2012 08:07 AM

Sparkz1920 wrote:
I got a Citi before a Discover...I got denied by Discover on a pre approval

I got the opposite of you. Denied with CITI on a pre approval but got instant approval from Discover :smileyhappy:





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Frequent Contributor
hedgeclipper2
Posts: 421
Registered: ‎07-21-2010

Re: What's the best citi card?

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‎10-24-2012 08:15 AM

I have 4 Citi cards, and I use all of them lol.

 

Citi Dividend World Elite Mastercard

Citi Forward

Citi Hilton Reserve Visa Signature

Citi Hilton HHonors Visa Signature

 

I am finding myself using the Hilton Reserve the most lately though.

 

I will say that Citi has been MUCH better to me than Discover.

-----------------------
My favorite card right now: Barclays Priceline Visa Signature
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Frequent Contributor
Sparkz1920
Posts: 263
Registered: ‎08-09-2009

Re: What's the best citi card?

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‎10-24-2012 01:13 PM

I'm still in my feelings off of being denied by them. Lowest inquiries. Higher score at that time. 676 versus my 658 that I appd with Citi with

Like...dude....really....I think it was the 2 baddies on there
Starting Score: 601
Current Score: 670
Goal Score: 700

Take the FICO Fitness Challenge

NFCU Rewards- 8K......AMEX Delta Skymiles-5k.....Citi AAdvantage AMEX-3.5K...WalMart Discover-4K....Old Navy Visa-2k...BOA-3000...AMEX Green-NPSL....Discover More-1K
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Contributor
Happychap
Posts: 164
Registered: ‎10-25-2011

Re: What's the best citi card?

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‎10-24-2012 01:59 PM

I have the Citi Prestige card. I don't think you can apply for directly anymore.  It has a $500 annual fee but for me its worth it since I get a free international ticket each year (minus taxes and fees still save around 1K).

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Valued Contributor
Dustink
Posts: 2,380
Registered: ‎10-02-2012

Re: What's the best citi card?

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‎10-24-2012 01:59 PM - edited ‎10-24-2012 02:00 PM

I just got the citi TY Preferred. Pretty basic card, and standard intro offers.

 

I got declined with a 733 FICO, but was approved on recon with significant effort on my end.

 

Just got a basic Visa Platinum, but I called and they said it has concierge and NPSL.

 

I would say it is a good card just to get your foot in the door with them.

Too many INQs & low AAoA so I'm off to tend the Garden.     Age:21     EQ: 642 TU: 677 EX: 665


     $14k          $8.5K          $7.5k          $7.5k         $6.5k             $6k             $5k            $5k             $5k              $5k           NPSL       @ 0%
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Established Contributor
maiden_girl
Posts: 1,157
Registered: ‎12-29-2011

Re: What's the best citi card?

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‎10-24-2012 02:08 PM

None of their cards if you ask me...run from CITI! As fast as you can! LOL.

The truth is out there...
FICO scores: 677 (EQ) 664 (EX) 681 (TU) | Goal scores: 750+ (all 3)
Open loans: Hyundai Motor Finance - $12k balance | 60 months @ 4.9% (First Time Buyer 12/2012)
My Wallet: Capital One 1.5k | Macy's 1.0k | Living Spaces 8.5k | Ashley 5.5k | Amazon 2.0k | Discover IT 1.5k | Walmart Discover 1.5k | Chase Freedom 4.5k
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Valued Contributor
jsickz32
Posts: 1,815
Registered: ‎06-25-2012

Re: What's the best citi card?

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‎10-24-2012 02:11 PM

I apped for their foward and it took them 2 weeks to give an answer. When i received the email telling me i was approved for it i had completely forgotten i had app for it lol. its the card i used the most cuz i eat out every single cuz i cant cook for $#!t lol
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / BofA Total rewards (2500) / BofA Amex (3900) / Bofa cash rewards (5700) / BofA Privileges Cash Rewards (5000) / Citi Forward (3000) / Chase Freedom (3500) / Discover IT (1700) / FNBO AMEX (3600) / Barclays Apple Visa (3960) / NFCU cashRewards Visa signature (12500) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (601) / PayPal Smart connect (2200)
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Frequent Contributor
Sparkz1920
Posts: 263
Registered: ‎08-09-2009

Re: What's the best citi card?

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‎10-24-2012 03:00 PM

Well I know I can't app for a Citi TY for a longgggggg time
Starting Score: 601
Current Score: 670
Goal Score: 700

Take the FICO Fitness Challenge

NFCU Rewards- 8K......AMEX Delta Skymiles-5k.....Citi AAdvantage AMEX-3.5K...WalMart Discover-4K....Old Navy Visa-2k...BOA-3000...AMEX Green-NPSL....Discover More-1K
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Contributor
CreditEd
Posts: 140
Registered: ‎07-01-2012

Re: What's the best citi card?

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‎10-24-2012 03:13 PM

I stay at Hilton almost 10 times per year so the HHonors Reserve was a highly desired card for me. The bonuses are awesome and I can stay at my favorite hotel at any time simply for the signup bonus.

All Thanks to myFico:
AMEX Business Platinum (NPSL) | AMEX Business SPG ($25,000) | AMEX Delta Sky Platinum ($10,000 | AMEX H. Honors ($2,000) | Citi Hilton Honors Reserve ($14,000) | Citi Diamond Preferred ($4,700) | Citi ThankYou Preferred ($3,200) | Chase Freedom ($3,000) | FNBO Platinum MC (awaiting the limit) | HSBC Platinum ($2,000) | US Bank Cash+ Visa Signature ($5,000)
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Valued Contributor
RyVision
Posts: 1,236
Registered: ‎04-15-2011

Re: What's the best citi card?

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‎10-24-2012 04:00 PM

sureno90 wrote:

I'm thinking about applying for a citi card but not sure which one to apply for.

My blunt, honest opinion?  None.  It's a great card and you don't have to deal with Citi.  :smileylol:

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