topic Re: AMEX blue everyday vs CITI in Credit Card Applications

AMEX blue everyday vs CITI

Anonymous — Sat, 12 Feb 2022 23:43:05 GMT

Hey y'all,

I was prequalified for the AMEX blue card today and they gave me a hard APR- does this mean I likely would be preapproved? My FICO: EX 715,

TU: 703, EQ: 738. I have quite a few Citi cards recommended as well(via Experian, Credit Karma). My income is $32000. I recently was approved for a Discover with a $7500 SL, and a Mercury MC at $1500. I paid off my Oportune with a BT from Disco. My income is low but I have no mortgage, no student loans(paid off). Would y'all pull the trigger on AMEX or look at some Citi offerings? Which of the 2 companies offer a higher SL, typically speaking(I want to keep my UTI down)? If anyone has a Citi card, how do you like it? Thanks in advance. My 32k income does not include my self-employment. I usually pull in $1000/monthly thereby, giving me a $44000 income. Thanks in advance.

Re: AMEX blue everyday vs CITI

pizzadude — Sun, 13 Feb 2022 04:30:57 GMT

Prequalified and pre-approval are the basically the same, but they're meaningless in terms of what interest rate and credit limit you might receive if you decide to apply and are actually approved. That will be based on their own underwriting criteria, which includes a number of factors such as your income, creditworthiness, other available credit, etc..

Re: AMEX blue everyday vs CITI

EAJuggalo — Sun, 13 Feb 2022 13:58:37 GMT

With your scores you probably would be approved for a Blue. Or a charge, or an Everyday.

I would take anything from AMEX before I would take something from Citi. I've had huge issues with Citi and have decided to let me DC wither away.

Re: AMEX blue everyday vs CITI

Hoben02 — Sun, 13 Feb 2022 17:22:18 GMT

The question is are you looking for a cashback card or points miles card.

Re: AMEX blue everyday vs CITI

FishingGuy — Sun, 13 Feb 2022 18:18:29 GMT

I would also get into with Amex first, if you're good with them... your relationship & CL and options will grow faster than with Citi

Re: AMEX blue everyday vs CITI

Anonymous — Thu, 07 Jul 2022 04:52:15 GMT

I concur with @EAJuggalo . American Express over Citi.

Re: AMEX blue everyday vs CITI

Cashbackjunky — Thu, 07 Jul 2022 05:32:57 GMT

I'll pile on here and say I'd agree with everyone else.

Amex > Citi

In my opinion, Amex outshines Citi in every aspect

Re: AMEX blue everyday vs CITI

Anonymous — Thu, 07 Jul 2022 05:37:24 GMT

Absolutely @Cashbackjunky , American Express. No contest.

Re: AMEX blue everyday vs CITI

coldfusion — Thu, 07 Jul 2022 11:59:48 GMT

Given that the OP's requesr for feedback was made 5 months ago it's probably a safe bet that they already made their decision and applied appropriately. ;-)

Re: AMEX blue everyday vs CITI

OmarGB9 — Thu, 07 Jul 2022 13:52:17 GMT

@coldfusion wrote:
Given that the OP's requesr for feedback was made 5 months ago it's probably a safe bet that they already made their decision and applied appropriately. ;-)

They also haven't been back since making this thread...

Re: AMEX blue everyday vs CITI

SouthJamaica — Thu, 07 Jul 2022 17:38:29 GMT

@Anonymous wrote:
Hey y'all,
I was prequalified for the AMEX blue card today and they gave me a hard APR- does this mean I likely would be preapproved? My FICO: EX 715,
TU: 703, EQ: 738. I have quite a few Citi cards recommended as well(via Experian, Credit Karma). My income is $32000. I recently was approved for a Discover with a $7500 SL, and a Mercury MC at $1500. I paid off my Oportune with a BT from Disco. My income is low but I have no mortgage, no student loans(paid off). Would y'all pull the trigger on AMEX or look at some Citi offerings? Which of the 2 companies offer a higher SL, typically speaking(I want to keep my UTI down)? If anyone has a Citi card, how do you like it? Thanks in advance. My 32k income does not include my self-employment. I usually pull in $1000/monthly thereby, giving me a $44000 income. Thanks in advance.

The Credit Karma things are not prequalifications or preapprovals, they are just marketing.

The Citi cards aren't easy to get, but some of them are quite useful if you can get one.

The Amex Everyday card is only worth something if you can make good use of Amex MR points.

If you like cash back, I think you would find the Citi Rewards+, the Citi Double Cash, or the Citi Custom Cash very useful.