topic Re: Citi CLI in Credit Card Approvals

Citi CLI

kc12286 — Fri, 09 Nov 2012 14:12:47 GMT

I tried to get a CLI with my Citi Platinum Select card but was immediately declined I checked the document section and it said I was declined because my balance with them was too high and my revolving cards also had high balances. I'm not too concerned with a possible drop in my score. But I do think this decline will make it easier to drop them after my 0% intro is gone next December. The platinum card has crappy rewards anyway. I have my Discover and my Chase Amazon card which I love.

Re: Citi CLI

youngandcreditwrthy — Fri, 09 Nov 2012 14:19:08 GMT

Yep Citi sucks. Imo

Re: Citi CLI

armbenderc — Fri, 09 Nov 2012 14:51:56 GMT

You can always PC into something that you like. Forward and Dividend are pretty good.

Citi does not sucks. IMO

Re: Citi CLI

kc12286 — Fri, 09 Nov 2012 14:57:12 GMT

@armbenderc wrote:
You can always PC into something that you like. Forward and Dividend are pretty good.

Citi does not sucks. IMO

I already tried that. They said absolutely not, no PCing from this card, they don't even offer it anymore. I asked about Forward, Thank You and one of the other ones. They said I had to apply for those cards. I needed an MC card at the time and I ONLY use it in one place.

Re: Citi CLI

armbenderc — Fri, 09 Nov 2012 17:27:46 GMT

@kc12286 wrote:
@armbenderc wrote:
You can always PC into something that you like. Forward and Dividend are pretty good.

Citi does not sucks. IMO
I already tried that. They said absolutely not, no PCing from this card, they don't even offer it anymore. I asked about Forward, Thank You and one of the other ones. They said I had to apply for those cards. I needed an MC card at the time and I ONLY use it in one place.

Did you recently open an account with them? Mine was around May/June '11

Here is my thread when I did the PC from Citi Platinum Select MC to Citi ThankYou Premier World MC($125 AF)

http://ficoforums.myfico.com/t5/Credit-Cards/Citi-Platinum-Select-to-Citi-Thank-You-PC/m-p/1598072

About four week later, I realized that travel once a year doesn't add up to $125AF, so I PC again to Citi Dividend Platinum Select (probably World MC, didn't get the card yet.). Here is thread where I ask which card to switch with no AF.

http://ficoforums.myfico.com/t5/Credit-Cards/Need-help-selecting-Citi-cards/m-p/1675316

Re: Citi CLI

kc12286 — Fri, 09 Nov 2012 17:35:46 GMT

@armbenderc wrote:
@kc12286 wrote:
@armbenderc wrote:
You can always PC into something that you like. Forward and Dividend are pretty good.

Citi does not sucks. IMO
I already tried that. They said absolutely not, no PCing from this card, they don't even offer it anymore. I asked about Forward, Thank You and one of the other ones. They said I had to apply for those cards. I needed an MC card at the time and I ONLY use it in one place.
Did you recently open an account with them? Mine was around May/June '11

Here is my thread when I did the PC from Citi Platinum Select MC to Citi ThankYou Premier World MC($125 AF)
http://ficoforums.myfico.com/t5/Credit-Cards/Citi-Platinum-Select-to-Citi-Thank-You-PC/m-p/1598072

About four week later, I realized that travel once a year doesn't add up to $125AF, so I PC again to Citi Dividend Platinum Select (probably World MC, didn't get the card yet.). Here is thread where I ask which card to switch with no AF.
http://ficoforums.myfico.com/t5/Credit-Cards/Need-help-selecting-Citi-cards/m-p/1675316

What number should I call to try to do a PC? I forget which number I called initially, but they told me no PCing from this card at all. That any card that I might be interested in, I would have to apply for separately. IF I really can't PC from it, then I will just pay it down slowly and cancel at the end of the 0%, because the Citi Extra Cash is bunk. Who wants to pay to use recoup rewards?

Re: Citi CLI

asteroidblues86 — Fri, 09 Nov 2012 17:36:27 GMT

@kc12286 wrote:
@armbenderc wrote:
You can always PC into something that you like. Forward and Dividend are pretty good.

Citi does not sucks. IMO
I already tried that. They said absolutely not, no PCing from this card, they don't even offer it anymore. I asked about Forward, Thank You and one of the other ones. They said I had to apply for those cards. I needed an MC card at the time and I ONLY use it in one place.

Try again until you get a CSR that will help you. I had the same card and I got the same answer with the first two reps I talked to before finally succeeding with the third.

Re: Citi CLI

armbenderc — Fri, 09 Nov 2012 17:49:06 GMT

@kc12286 wrote:
@armbenderc wrote:
@kc12286 wrote:
@armbenderc wrote:
You can always PC into something that you like. Forward and Dividend are pretty good.

Citi does not sucks. IMO
I already tried that. They said absolutely not, no PCing from this card, they don't even offer it anymore. I asked about Forward, Thank You and one of the other ones. They said I had to apply for those cards. I needed an MC card at the time and I ONLY use it in one place.
Did you recently open an account with them? Mine was around May/June '11

Here is my thread when I did the PC from Citi Platinum Select MC to Citi ThankYou Premier World MC($125 AF)
http://ficoforums.myfico.com/t5/Credit-Cards/Citi-Platinum-Select-to-Citi-Thank-You-PC/m-p/1598072

About four week later, I realized that travel once a year doesn't add up to $125AF, so I PC again to Citi Dividend Platinum Select (probably World MC, didn't get the card yet.). Here is thread where I ask which card to switch with no AF.
http://ficoforums.myfico.com/t5/Credit-Cards/Need-help-selecting-Citi-cards/m-p/1675316

What number should I call to try to do a PC? I forget which number I called initially, but they told me no PCing from this card at all. That any card that I might be interested in, I would have to apply for separately. IF I really can't PC from it, then I will just pay it down slowly and cancel at the end of the 0%, because the Citi Extra Cash is bunk. Who wants to pay to use recoup rewards?

You must gotten a bad CR, I used the account retention number listed on the pinup backdoor thread.

The reward on Platinum Select is exactly why I PC'd in the first place, that I agreed with you. I did look at the ThankYou Preferred, but the forward beats it. The dividend is like the Chase Freedom with rotating cats, so I will use it in conjuction with the freedom, will I get BCE and sapphire next year.

Also, if you call late night, or early morning you will get regular frontline CR. Call around 9-4pm Central time. It will be no wait or automated system, someone will pick it up.

Re: Citi CLI

kc12286 — Fri, 09 Nov 2012 19:08:47 GMT

@armbenderc wrote:
@kc12286 wrote:
@armbenderc wrote:
@kc12286 wrote:
@armbenderc wrote:
You can always PC into something that you like. Forward and Dividend are pretty good.

Citi does not sucks. IMO
I already tried that. They said absolutely not, no PCing from this card, they don't even offer it anymore. I asked about Forward, Thank You and one of the other ones. They said I had to apply for those cards. I needed an MC card at the time and I ONLY use it in one place.
Did you recently open an account with them? Mine was around May/June '11

Here is my thread when I did the PC from Citi Platinum Select MC to Citi ThankYou Premier World MC($125 AF)
http://ficoforums.myfico.com/t5/Credit-Cards/Citi-Platinum-Select-to-Citi-Thank-You-PC/m-p/1598072

About four week later, I realized that travel once a year doesn't add up to $125AF, so I PC again to Citi Dividend Platinum Select (probably World MC, didn't get the card yet.). Here is thread where I ask which card to switch with no AF.
http://ficoforums.myfico.com/t5/Credit-Cards/Need-help-selecting-Citi-cards/m-p/1675316

What number should I call to try to do a PC? I forget which number I called initially, but they told me no PCing from this card at all. That any card that I might be interested in, I would have to apply for separately. IF I really can't PC from it, then I will just pay it down slowly and cancel at the end of the 0%, because the Citi Extra Cash is bunk. Who wants to pay to use recoup rewards?
You must gotten a bad CR, I used the account retention number listed on the pinup backdoor thread.

The reward on Platinum Select is exactly why I PC'd in the first place, that I agreed with you. I did look at the ThankYou Preferred, but the forward beats it. The dividend is like the Chase Freedom with rotating cats, so I will use it in conjuction with the freedom, will I get BCE and sapphire next year.

Also, if you call late night, or early morning you will get regular frontline CR. Call around 9-4pm Central time. It will be no wait or automated system, someone will pick it up.

To answer your previous question, it's not a new app. I got the card in March, after initially being rejected last fall. I was applying for the sole purpose of using it in one place, and the 0% APR. I'll try one of the numbers listed on the backdoor thread. Hopefully I can get a PC. My only issue with the Forward is it's Visa, NOT MC. Unless something changes, I would likely need to replace this card with another MC card.

Re: Citi CLI

jsickz32 — Fri, 09 Nov 2012 19:12:03 GMT

I called citi about 2 weeks ago to try and PC my 5 months old forward and was told the account has to be 13 months old to even be considered for a PC

Re: Citi CLI

kc12286 — Fri, 09 Nov 2012 19:18:09 GMT

@jsickz32 wrote:
I called citi about 2 weeks ago to try and PC my 5 months old forward and was told the account has to be 13 months old to even be considered for a PC

You're not happy with your Forward card - how come?

I did not get that line, I was just told I could not PC this card at all. I would do as the others suggested and try calling again. I'm going to.

Re: Citi CLI

jsickz32 — Fri, 09 Nov 2012 19:22:55 GMT

Its not that im not happy with it. I just dont like the design....i wanted to pc it to thank you preferred. Im 3000 points away from reaching 10k TY points so i can claim $50 in cash back lol the rewards suck if you want cash or statement credit.

Re: Citi CLI

kc12286 — Fri, 09 Nov 2012 19:54:38 GMT

@jsickz32 wrote:
Its not that im not happy with it. I just dont like the design....i wanted to pc it to thank you preferred. Im 3000 points away from reaching 10k TY points so i can claim $50 in cash back lol the rewards suck if you want cash or statement credit.

This design:

Personally, I like this one better:

Re: Citi CLI

jsickz32 — Fri, 09 Nov 2012 19:56:30 GMT

I have the white & green and looks lame...i want that black and green

Re: Citi CLI

kc12286 — Fri, 09 Nov 2012 20:01:08 GMT

@jsickz32 wrote:
I have the white & green and looks lame...i want that black and green

I can understand that.

I like the one on the left side too. I don't like the white and green in the back.

Re: Citi CLI

jsickz32 — Fri, 09 Nov 2012 20:03:37 GMT

I have that white and green in the back...

Re: Citi CLI

kc12286 — Fri, 09 Nov 2012 20:05:31 GMT

@jsickz32 wrote:
I have that white and green in the back...

Yeah that is boring looking. See if you can get a card design change. I know when I needed something changed on my discover they asked if I wanted the same design or a different one.

Re: Citi CLI

jsickz32 — Fri, 09 Nov 2012 20:10:00 GMT

Yeah im gonna call them and ask them to change it.

Re: Citi CLI

kc12286 — Fri, 09 Nov 2012 20:19:34 GMT

@jsickz32 wrote:
Yeah im gonna call them and ask them to change it.

Yeah, curious what happens.

I'm going see if I can get my Discover card changed to the Shamrocks image.