Credit Cards Center Credit cards from our partners
Reply
Frequent Contributor
Posts: 256
Registered: ‎06-04-2007
0

Citi Platinum Select Question

Good Morning
 
Is the Citi Platinum Select a sub prime card?  How is CitiBank with CLIs and will that make a hard inq when a CLI is requested?
 
W
TU 670
EQ 670
EX 617
JFCU $5,000
JFCU AUto Loan $11,000
Jet Blue Amex $2,000
BOA 3,500
Best Buy Store Card $2,200
Kay Jewlers $3,200
Member
Posts: 8
Registered: ‎06-13-2007
0

Re: Citi Platinum Select Question

[ Edited ]
I believe it is a prime card, not sub-prime. For myself, they have been pretty good with CLI, but they do ahard pull when you request a CLI.

Message Edited by bijoupele on 07-11-2007 07:02 AM
Moderator Emeritus
Posts: 6,182
Registered: ‎03-29-2007
0

Re: Citi Platinum Select Question

It is prime.. However, I recommend applyinf for the Premier Pass card and then converting to the Plat Sel.
Frequent Contributor
Posts: 342
Registered: ‎06-16-2007
0

Re: Citi Platinum Select Question

Why? Although I already have the card I am curious.
Highlighted
Established Member
Posts: 57
Registered: ‎07-05-2007
0

Re: Citi Platinum Select Question

I have the dividends card and when I click on the credit increase button sometimes it tells me I am preappoved and gives me a choice to accept  or decline.  That does not give me a hard inquiry.  I think it gives a hard inquiry if the preapproved message does not pop up and you request anyway.  As I got more history and my neg. items got older, then cli became more frequent (every few months) and larger.   I sometimes received cli automatically, but that was back in 2000.  Starting in 2002 I just hit the cli button on the website and accepted all the preapproved offers. 
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.