Frequent Contributor
fedxboy
Posts: 368
Registered: ‎01-16-2012
Citi Diamond Preferred Mastercard

In August, I got one of those pre-selected applications in the mail and I pulled the trigger.  Unfortunately, I was declined.   A month later, I got another pre-selected app in the mail and thought -- **bleep**!~:smileymad:

 

The reasons they declined me were for 2 items listed:

 

Your credit report shows one or more accounts recently past due 

Your credit report shows insufficient credit lines.

 

The recently past due account was a charge off from 4/2004 and reaged to 11/2005 -- after being sold to another creditor.  It finally fell off Oct 3rd, leaving me with a clean slate of credit .   Also, I was quite surprised when they listed my credit score -- 0521 -- saying credit scores range from a low of 400 to a high of 999.  I knew it wasn't that low, but I wasn't interested in reconning, since Citi has always declined me, even for a student card.

 

Fast forward to last night, Citibank called again.  The first time they called, I didn't answer since I didn't recognize the number.  I looked up the # on the internet and found out it was Citibank, so when they called last night -- I made sure to pick it up.

 

I was quite surprised that they only verified it was me and acknowledged that I had applied for a Citi Diamond Pref MC back in August.  They informed me that they used the wrong credit criteria for my application and when they used the right information, they said I was approved and asked me if I still wanted the card?    I thought about it for a brief second and said ok, since my AAOA is slowly creeping downwards after opening too many cards this year.  I think my AAOA is 3.5 years now, instead of the 7-8 years it was before I started apping.   Oh hum, off to the garden I go -- I have enough good credit now and its time to age them all!!!  

(12/09/14) Barclay FICO 758, (12/08/2014) Walmart FICO 758, (8/20/14) Discover IT FICO 766
Frequent Contributor
fedxboy
Posts: 368
Registered: ‎01-16-2012
Re: Citi Diamond Preferred Mastercard

Is there a way to lengthen my AAOA, if I'm added to a friends credit card as an AU????    I will certainly find out, as I had a buddy put me on his BofA signature card that has a credit limit of $25,000.00 with no balance and a length of 10 years.

 

Just curious

(12/09/14) Barclay FICO 758, (12/08/2014) Walmart FICO 758, (8/20/14) Discover IT FICO 766
Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012
Re: Citi Diamond Preferred Mastercard

Congrats

Established Contributor
migliogiorni
Posts: 657
Registered: ‎06-27-2012
Re: Citi Diamond Preferred Mastercard

Congrats.

 

BOA: 8.9k
CSP: 5k
Discover: 5k
Citi TY Preferd: 5k
Wally: 5k
JCP: 4.9k
citiForward: 4.7k
ChaseFreedom: 4.5k
DFS: 2k
Frequent Contributor
wallyworld123
Posts: 455
Registered: ‎01-04-2012
Re: Citi Diamond Preferred Mastercard

wow thats great I love how they called you back when they realized they made the mistake. Congrats!

Senior Contributor
youngandcreditwrthy
Posts: 6,242
Registered: ‎08-16-2012
Re: Citi Diamond Preferred Mastercard
Awesome! What was yout FICO at approval? And what limit did you get?! Im just curious as I plan to app for this card in the future :-)
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 $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Established Contributor
ccnewcc
Posts: 560
Registered: ‎09-29-2012
Re: Citi Diamond Preferred Mastercard

Awesome congrats!

 

Score: You = +1

            Citi Haters = 0

 

Lol jk :smileyhappy:

 

 

Established Contributor
ccnewcc
Posts: 560
Registered: ‎09-29-2012
Re: Citi Diamond Preferred Mastercard

I wonder this tho, why the Citi Diamond?  Isn't this a card with No rewards?

Senior Contributor
youngandcreditwrthy
Posts: 6,242
Registered: ‎08-16-2012
Re: Citi Diamond Preferred Mastercard
Lol I'm a Citi hater :-P but I want the Diamond card in the future lol only Citi card that looks pretty :-)
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 $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k