topic Re: I conquered Citibank Diamond Preferred Approval! in Credit Card Approvals

I conquered Citibank Diamond Preferred Approval!

tussking — Tue, 30 Aug 2022 02:12:05 GMT

This is extremely important to me as Citibank was my very first credit card when I was 18. I cherished that Gold Visa, and when life went south for me, I had to close it. I probably should have gone for the simplicity or double cash, but they gave me SL $10,500 with 12 months 0% APR on purchases and 21 months 0% APR on balance transfers. I am happy to take any advice with Citibank...

EQ HP = 728

INQ = 3

11% DTI

One new CC in the last year.

Re: I conquered Citibank Diamond Preferred Approval!

M_Smart007 — Tue, 30 Aug 2022 02:06:38 GMT

Congratulations

I too had a Citi Gold Visa, it reported on Equifax for 27 years. 17 years after it was closed.

Re: I conquered Citibank Diamond Preferred Approval!

Howaboutthat — Tue, 30 Aug 2022 03:01:36 GMT

Congratulations on your Citibank approval

Re: I conquered Citibank Diamond Preferred Approval!

Fico82 — Tue, 30 Aug 2022 03:18:12 GMT

Congrats ! 👏

Re: I conquered Citibank Diamond Preferred Approval!

Stealth-1 — Tue, 30 Aug 2022 03:49:40 GMT

Congrats on your Citi approval!

Re: I conquered Citibank Diamond Preferred Approval!

CreditAggie — Tue, 30 Aug 2022 05:17:10 GMT

Congratulations on your Citi approval!

Re: I conquered Citibank Diamond Preferred Approval!

SouthJamaica — Tue, 30 Aug 2022 11:49:28 GMT

@tussking wrote:
This is extremely important to me as Citibank was my very first credit card when I was 18. I cherished that Gold Visa, and when life went south for me, I had to close it. I probably should have gone for the simplicity or double cash, but they gave me SL $10,500 with 12 months 0% APR on purchases and 21 months 0% APR on balance transfers. I am happy to take any advice with Citibank...
EQ HP = 728
INQ = 3
11% DTI
One new CC in the last year.

Congratulations on your approval.

My advice is to NOT take full advantage of those 0% promos, because doing so would (a) hurt your scores and (b) make it harder when it's time to start paying the regular rate, which in this case will no doubt be very high. I.e., it's a trap; don't fall into it.

Also, watch out for the huge balance transfer fee, and remember that there are monthly minimum payments which will reduce the balance getting the promo rate.

Re: I conquered Citibank Diamond Preferred Approval!

coreyb80 — Tue, 30 Aug 2022 12:59:46 GMT

Congrats on the approval!

Re: I conquered Citibank Diamond Preferred Approval!

cashorcharge — Tue, 30 Aug 2022 17:22:40 GMT

WooHoo!! Congratulations on your CITI Approval!!👏🏼🍾

Re: I conquered Citibank Diamond Preferred Approval!

KingRue8500 — Tue, 30 Aug 2022 22:47:10 GMT

Congrats on your Citi Diamond Preferred approval

Re: I conquered Citibank Diamond Preferred Approval!

MrDFinance — Wed, 31 Aug 2022 02:20:08 GMT

Congrats on the approval 😎

Re: I conquered Citibank Diamond Preferred Approval!

arifjk — Wed, 31 Aug 2022 20:58:18 GMT

Congratulations!!

Re: I conquered Citibank Diamond Preferred Approval!

PapaTunde — Wed, 31 Aug 2022 23:33:09 GMT

Congrats on your new Citi card

Re: I conquered Citibank Diamond Preferred Approval!

SDMarik — Thu, 01 Sep 2022 13:37:10 GMT

Congrats on the Citi Diamond Preferred approval!

Re: I conquered Citibank Diamond Preferred Approval!

babygirl1256 — Thu, 01 Sep 2022 14:37:23 GMT

Congrats on your Citibank Diamond Preferred approval.

Re: I conquered Citibank Diamond Preferred Approval!

nytokyobred79 — Thu, 01 Sep 2022 14:44:37 GMT

Congrats on conquering the Citibank Diamond Preferred.