topic Re: Citi Diamond Preferred Pre-Selected Invitation - hard pulls from which CB? in Credit Card Applications

Citi Diamond Preferred Pre-Selected Invitation - hard pulls from which CB?

myquestionsfico — Mon, 04 Jan 2021 21:49:16 GMT

I got an invitation to apply - with a set APR - to Citi Diamond Preferred. I'm thinking of applying (I like their 18 months of balance transfer at 0%), but I have all 3 credit bureaus locked.

My TransUnion report is strong (FICO 750) - with no baddies except some lates back in 2014-16 (was out of work for a while). Equifax (707) and Experian (715) still have some charge offs that will fall off this year.

I'm wondering what would make sense to do - maybe unlock TransUnion only? If I'm going to apply, I want to be approved. I live in WA state. Any idea which bureau they pull, and if they can't see one of them, would they try to HP each til they get one that works?

Re: Citi Diamond Preferred Pre-Selected Invitation - hard pulls from which CB?

FinStar — Mon, 04 Jan 2021 22:25:46 GMT

Depending how much you want this CC, and if you want to avoid any issues in getting approved, I would unlock all 3 just to be safe. They've been known to pull EX and/or EQ as the primary ones. Sometimes they can pull 2 of them, but YEMV.

Re: Citi Diamond Preferred Pre-Selected Invitation - hard pulls from which CB?

Mr_Mojo_Risin — Mon, 04 Jan 2021 22:28:52 GMT

From what I've read here on the forums, seems they like to use EX and EQ. Some members have been double-pulled and others not.

Re: Citi Diamond Preferred Pre-Selected Invitation - hard pulls from which CB?

cashorcharge — Mon, 04 Jan 2021 22:32:58 GMT

My friend received a pre-approved offer for the Citi Rewards that included a fixed APR. He app'd and was approved. They did 2 HP....EX and EQ. This was last month

Re: Citi Diamond Preferred Pre-Selected Invitation - hard pulls from which CB?

Ficoproblems247 — Mon, 04 Jan 2021 22:36:01 GMT

Yeah, Citi can really be all over the place like the others said. For my application they double pulled EX and EQ. For a HP CLI they single pulled EQ.

Re: Citi Diamond Preferred Pre-Selected Invitation - hard pulls from which CB?

myquestionsfico — Mon, 04 Jan 2021 23:57:24 GMT

Thanks all. I definitely would rather not be double-pulled, and also it sounds like it would be against my lower two credit scores/files with some past charge-offs. I'm wondering if 707 (EQ) and 715 (EX) do the trick on this card. Does anyone have any data points on what scores you need potentially to get an approval?

Re: Citi Diamond Preferred Pre-Selected Invitation - hard pulls from which CB?

AverageJoesCredit — Tue, 05 Jan 2021 00:17:55 GMT

@FinStar wrote:
Depending how much you want this CC, and if you want to avoid any issues in getting approved, I would unlock all 3 just to be safe. They've been known to pull EX and/or EQ as the primary ones. Sometimes they can pull 2 of them, but YEMV.

Citi ALWAYS double pulls me, even on denials. Bad Citi bad!

Re: Citi Diamond Preferred Pre-Selected Invitation - hard pulls from which CB?

myquestionsfico — Tue, 05 Jan 2021 00:59:48 GMT

So, I decided to pull the trigger. From what I can tell so far, only a single pull - Experian. I just re-locked all 3 reports, so they can't go back and try another. Got approved for $5K. Not a big limit, but it's a start.

Is Citi pretty good about CLI's? Do they have a recon line? I'd love to have a higher limit to take advantage of their balance transfers without maxing this card out.

Re: Citi Diamond Preferred Pre-Selected Invitation - hard pulls from which CB?

AllZero — Tue, 05 Jan 2021 03:19:03 GMT

@myquestionsfico wrote:
So, I decided to pull the trigger. From what I can tell so far, only a single pull - Experian. I just re-locked all 3 reports, so they can't go back and try another. Got approved for $5K. Not a big limit, but it's a start.

Is Citi pretty good about CLI's? Do they have a recon line? I'd love to have a higher limit to take advantage of their balance transfers without maxing this card out.

Congratulations on your approval! I think CLI request are every 6 month interval. Look for the SP verbiage.

Re: Citi Diamond Preferred Pre-Selected Invitation - hard pulls from which CB?

myquestionsfico — Tue, 05 Jan 2021 05:22:13 GMT

Thank you! Is there a way to recon the original CL?

Re: Citi Diamond Preferred Pre-Selected Invitation - hard pulls from which CB?

FinStar — Tue, 05 Jan 2021 05:40:47 GMT

As the OP has provided an update with an approval, this thread is now locked to new messages.

@myquestionsfico, you can contact Citi once you receive the card to entertain any type of SL reconsideration. Please keep in mind they will require another HP for such a request, so be prepared to unlock again and no guarantee they'll increase it. Unfortunately, they will not repurpose the HP on the initial application.

Congrats on the approval!