CITI Dividends Plat Select MC

[fused]

Just goes to show high scores, little debt and high income doesn't guarantee the best CLs or rates.

My EQ FICO score was 756 when they pulled, 0 derogs and util 4% four for each of my CCs, very little installment debt and only 2 inqs, income very good but I will not be specific. This is what I got.

I was instantly approved online last week for this card with a CL of $3,600 and an APR of %15.74. They refused to get give me any CLI or even lower my APR during activation. I have CCs with limits that are 5 times this. Amazing! This APR is middle of the road. I told them to shove it! I won't tell exactly where though!

Message Edited by fused111 on 07-10-2007 01:46 PM

[Anonymous]

I bet I can guess. But ya know, I would have been happy with that offer.... still a little fish

[fused]

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Lori344 wrote:

I bet I can guess. But ya know, I would have been happy with that offer.... still a little fish

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I know what you mean! I just found it strange though.

[Tuscani]

Weird.. I know people (even recently) who have been approved for $10k with 100 less pts than you. Goes to show scores are not everything.

[fused]

Is it possible CITI has raised their standards from prime to super-prime? Also, many have told me it's easy to get a CLI at activation.

[Anonymous]

Hmmm, They gave me a CLI at activation for a regular Platinum Select MC - not Dividends. I'm about 60 points lower then you too and have one disgusting derog on my CR that consists of about 25 late payments - account was closed exactly 1 year ago. Still wouldn't have made you happy as it was only going from 3K to 5K - made me happy enough though.

[fused]

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db23 wrote:
Hmmm, They gave me a CLI at activation for a regular Platinum Select MC - not Dividends. I'm about 60 points lower then you too and have one disgusting derog on my CR that consists of about 25 late payments - account was closed exactly 1 year ago. Still wouldn't have made you happy as it was only going from 3K to 5K - made me happy enough though.

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I know the Dividends isn't easy to get. The CSR was being very evasive with me and said "you are not eligible for a CLI or a lower APR at this time." I asked why? She said the same thing again. Oh well, I will never really know and at this point don't care. 

I created this thread to show how someone can get an Amex Card covert it to a Blue card and get a CLI to 5K with scores in the low or mid 600's while someone with a score in the mid 700's clean CR, no derogs, low CC util, a couple of inqs gets shafted. You just never know!

Learning FICO scoring is a daunting task, maybe understanding how CCC companies someitmes arrive at their decisions is just as difficult.