topic Re: Citi pre approval reliable?? in Credit Card Applications

Citi pre approval reliable??

taxi818 — Sun, 09 Nov 2014 15:22:14 GMT

I went to he citi site out of curiosity. Since I don't hav e citi or chase card. Typed in info. And it gave me citi simplicity. Only card to pop up. Who do they pull? Heard it was double pull like ex and tu. My best scores. Any advice. Want to pull trigger as I'm canceling my td bank tomorrow.

Re: Citi pre approval reliable??

js0319 — Sun, 09 Nov 2014 15:34:05 GMT

I was approved for Citi DC this week, and they pulled EX and EQ. I was pre-qualified for all of their cards based on the info I entered on the website. When you did the pre-qual, did they tell you specifically what the APR would be on the Simplicity? If they give you an APR range, it's not a pre-qual.

Re: Citi pre approval reliable??

uswala — Sun, 09 Nov 2014 16:02:42 GMT

@js0319 wrote:
I was approved for Citi DC this week, and they pulled EX and EQ. I was pre-qualified for all of their cards based on the info I entered on the website. When you did the pre-qual, did they tell you specifically what the APR would be on the Simplicity? If they give you an APR range, it's not a pre-qual.

For my DC app as well they pulled EQ and EX

Re: Citi pre approval reliable??

taxi818 — Sun, 09 Nov 2014 16:16:21 GMT

@uswala wrote:
@js0319 wrote:
I was approved for Citi DC this week, and they pulled EX and EQ. I was pre-qualified for all of their cards based on the info I entered on the website. When you did the pre-qual, did they tell you specifically what the APR would be on the Simplicity? If they give you an APR range, it's not a pre-qual.
For my DC app as well they pulled EQ and EX

It said from 15.99 - 22.99 apr. So you saying not offer? It's the only card that showed up.

Re: Citi pre approval reliable??

Anonymous — Sun, 09 Nov 2014 16:24:45 GMT

Food for thought ... the card is aimed at balance transfer(s) and has no long term benefit for rewards. Also, in reading on this site, it seems Citi does not get excited to p/c to another card. The Citi Simplicity is really a basic bank credit card like we used to get back when Citi had the Platinum MasterCard (my starter card and foot in the door with them). They have Double Cash that is so much better for rewards and they may still be on an approval high?!.

Re: Citi pre approval reliable??

taxi818 — Sun, 09 Nov 2014 16:26:03 GMT

@Anonymous wrote:
Food for thought ... the card is aimed at balance transfer(s) and has no long term benefit for rewards. Also, in reading on this site, it seems Citi does not get excited to p/c to another card. The Citi Simplicity is really a basic bank credit card like we used to get back when Citi had the Platinum MasterCard (my starter card and foot in the door with them). They have Double Cash that is so much better for rewards and they may still be on an approval high?!.

Thanks. Let me chevk the specs on that one

Re: Citi pre approval reliable??

Anonymous — Sun, 09 Nov 2014 16:57:35 GMT

@taxi818 wrote:
@uswala wrote:
@js0319 wrote:
I was approved for Citi DC this week, and they pulled EX and EQ. I was pre-qualified for all of their cards based on the info I entered on the website. When you did the pre-qual, did they tell you specifically what the APR would be on the Simplicity? If they give you an APR range, it's not a pre-qual.
For my DC app as well they pulled EQ and EX
It said from 15.99 - 22.99 apr. So you saying not offer? It's the only card that showed up.

It's only an offer if the opt out notice appears at bottom. Otherwise the Simplicity card comes out all the time because that's the one they are pushing

Re: Citi pre approval reliable??

scott48 — Wed, 07 Oct 2015 23:15:44 GMT

This was true for me, I had a pre qual offer on the website (after years of trying) for Citi simplicity 0 for 15 months then 22.xx% I submitted my app and got $6000. Myfico scores for credit cards are 767 and 758.

Re: Citi pre approval reliable??

Anonymous — Wed, 07 Oct 2015 23:37:32 GMT

Taxi, I thought you had a citi card through a pre selected mailer?????

Re: Citi pre approval reliable??

taxi818 — Thu, 08 Oct 2015 00:04:16 GMT

I did kaylava. This thread is from last November when I got declined. Then I got a pre selections back in July. So after 8 months. I got my double cash

Re: Citi pre approval reliable??

Anonymous — Thu, 08 Oct 2015 00:36:08 GMT

Oh good, I'm not loosing my mind! 😉