topic Re: Are Citi bank pre-quilified offers in Credit Card Applications

Are Citi bank pre-quilified offers

Anonymous — Mon, 09 Feb 2015 09:01:47 GMT

As solid as Chases? I have never had one from citi before but now I have a few. Also I Ex froze on sat, will they pull Trans or Eq?

Re: Are Citi bank pre-quilified offers

Jerry45 — Mon, 09 Feb 2015 12:25:34 GMT

I think Chase is the most solid, but Citi is good also. When you do the pre qual check at Citi, see if it gives you a specific APR, instead of a range. That is usually a good sign.

Re: Are Citi bank pre-quilified offers

Anonymous — Mon, 09 Feb 2015 15:58:34 GMT

Check the credit pull database for what is pulled in your state as it varies. That will give you a general idea of scores and what bureau was used in the application.

Re: Are Citi bank pre-quilified offers

Anonymous — Mon, 09 Feb 2015 16:55:32 GMT

Yes it gave me an APR on all cards not a range.

Re: Are Citi bank pre-quilified offers

Anonymous — Mon, 09 Feb 2015 17:17:35 GMT

@Anonymous wrote:
Yes it gave me an APR on all cards not a range.

Huh? The credit pull database does not give you APRs.. Is that what you mean? Or you are talking about the CIti website.. The database gives you an idea of score ranges people where approved at, limits and you can search by state also.

Re: Are Citi bank pre-quilified offers

Anonymous — Mon, 09 Feb 2015 20:52:08 GMT

Citis pre-approval gave me an exact apr on all cards, not a range. I never said anything about credit pulls database?

Mod edit: website

Re: Are Citi bank pre-quilified offers

Anonymous — Mon, 09 Feb 2015 17:32:49 GMT

@Anonymous wrote:
@Anonymous wrote:
Yes it gave me an APR on all cards not a range.
Huh? The credit pull database does not give you APRs.. Is that what you mean? Or you are talking about the CIti website.. The database gives you an idea of score ranges people where approved at, limits and you can search by state also.

I think they're referring to the pre approvals they got on Citi's site.

Re: Are Citi bank pre-quilified offers

Anonymous — Mon, 09 Feb 2015 23:39:38 GMT

Went a head and apped for the double cash card. Was approved for $2,400.Low limit since most of my cards are 10k plus. But thats ok got a really good rate 12.99 and 0% BT for 18 months. Also when I did the pre-approval thats the rate it said I was approved for.

Re: Are Citi bank pre-quilified offers

mikelo22 — Tue, 10 Feb 2015 01:15:43 GMT

Little late, but Citi Prequals are very solid from what I've seen. As someone else said, this is especially true if it lists a specific APR.

Citi PreQuals are based off your EQ score. They primarily pull EQ + another CA if needed.

Re: Are Citi bank pre-quilified offers

BarryNTexas — Tue, 10 Feb 2015 13:30:05 GMT

@Anonymous wrote:
Went a head and apped for the double cash card. Was approved for $2,400.Low limit since most of my cards are 10k plus. But thats ok got a really good rate 12.99 and 0% BT for 18 months. Also when I did the pre-approval thats the rate it said I was approved for.

Canusa11 - can you tell us what CRA was pulled and where you live? Thanks and congrats!

Re: Are Citi bank pre-quilified offers

Involver — Tue, 10 Feb 2015 14:21:26 GMT

If you're dissatisfied with your credit line call Citi after you get the card and there's a good chance you can get it up to 7500-10k. Ask high. If you're willing to take a second INQ, that is.