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Frequent Contributor
WBLAKE
Posts: 256
Registered: ‎06-04-2007
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Citi Platinum Select Question
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‎07-11-2007 03:51 AM

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?
 
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bijoupele
Posts: 8
Registered: ‎06-13-2007
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Re: Citi Platinum Select Question

[ Edited ]
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‎07-11-2007 05:00 AM - edited ‎07-11-2007 05:02 AM

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
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Moderator Emeritus
Tuscani
Posts: 6,182
Registered: ‎03-29-2007
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Re: Citi Platinum Select Question
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‎07-11-2007 05:27 AM

It is prime.. However, I recommend applyinf for the Premier Pass card and then converting to the Plat Sel.
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db23
Posts: 342
Registered: ‎06-16-2007
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Re: Citi Platinum Select Question
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‎07-11-2007 06:39 AM

Why? Although I already have the card I am curious.
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Established Member
ficoachiever
Posts: 57
Registered: ‎07-05-2007
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Re: Citi Platinum Select Question
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‎07-11-2007 03:33 PM

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. 
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