topic Re: Can't get citi pre approval? in Credit Card Applications

Can't get citi pre approval?

taxi818 — Tue, 26 May 2015 14:50:18 GMT

Back in March I got two mailers from citi. The Home Depot pre selected and the diamond preferred. I took Home Depot as I was thinking high limit. But I got 2k. After they wanted another hp soon as I got card in hand I said no way. You just st pulled it a week ago. They wanted me to unfreeze eq. Anyway. My brother had same pre selected and went for diamond preferred. He got 1k limit. I put mine in shredder. Now for the life of me on their pre qual site I can't get anything. I will even take simplicity if I must. I have best buy mastercard plat. No AF. And HD what's a person to do? Cold app? Not happening. How reliable is ther pre approval site. I know chase reliable. Discover and boa sucks. Cap one goid. But citi. I have no ideal. I did not have this hard of a time for my amex

Re: Can't get citi pre approval?

Anonymous — Tue, 26 May 2015 15:44:52 GMT

@taxi818 wrote:
Back in March I got two mailers from citi. The Home Depot pre selected and the diamond preferred. I took Home Depot as I was thinking high limit. But I got 2k. After they wanted another hp soon as I got card in hand I said no way. You just st pulled it a week ago. They wanted me to unfreeze eq. Anyway. My brother had same pre selected and went for diamond preferred. He got 1k limit. I put mine in shredder. Now for the life of me on their pre qual site I can't get anything. I will even take simplicity if I must. I have best buy mastercard plat. No AF. And HD what's a person to do? Cold app? Not happening. How reliable is ther pre approval site. I know chase reliable. Discover and boa sucks. Cap one goid. But citi. I have no ideal. I did not have this hard of a time for my amex

I can never get any pre approval on their site yet I've managed to get instantly approved for two of their cards with very nice limits . I'd just apply if you want the card. Their site is fairly good if you get a preapproval (my g/f gets them) but that doesn't mean you need to be preapproved to get one of their cards

Re: Can't get citi pre approval?

FinStar — Tue, 26 May 2015 18:58:42 GMT

@taxi818 wrote:
Back in March I got two mailers from citi. The Home Depot pre selected and the diamond preferred. I took Home Depot as I was thinking high limit. But I got 2k. After they wanted another hp soon as I got card in hand I said no way. You just st pulled it a week ago. They wanted me to unfreeze eq. Anyway. My brother had same pre selected and went for diamond preferred. He got 1k limit. I put mine in shredder. Now for the life of me on their pre qual site I can't get anything. I will even take simplicity if I must. I have best buy mastercard plat. No AF. And HD what's a person to do? Cold app? Not happening. How reliable is ther pre approval site. I know chase reliable. Discover and boa sucks. Cap one goid. But citi. I have no ideal. I did not have this hard of a time for my amex

You may apply for it straight out if your profile supports it. One thing though, if you've had a recent flurry of new accounts and inquiries to boot, you may want to hold off until the dust settles.

Re: Can't get citi pre approval?

taxi818 — Tue, 26 May 2015 19:05:14 GMT

@FinStar wrote:
@taxi818 wrote:
Back in March I got two mailers from citi. The Home Depot pre selected and the diamond preferred. I took Home Depot as I was thinking high limit. But I got 2k. After they wanted another hp soon as I got card in hand I said no way. You just st pulled it a week ago. They wanted me to unfreeze eq. Anyway. My brother had same pre selected and went for diamond preferred. He got 1k limit. I put mine in shredder. Now for the life of me on their pre qual site I can't get anything. I will even take simplicity if I must. I have best buy mastercard plat. No AF. And HD what's a person to do? Cold app? Not happening. How reliable is ther pre approval site. I know chase reliable. Discover and boa sucks. Cap one goid. But citi. I have no ideal. I did not have this hard of a time for my amex
You may apply for it straight out if your profile supports it. One thing though, if you've had a recent flurry of new accounts and inquiries to boot, you may want to hold off until the dust settles.

Not many. Just 2 cards this year. And 3 inquiries in last 6 months.

Re: Can't get citi pre approval?

CreditCuriosity — Tue, 26 May 2015 19:14:31 GMT

@taxi818 wrote:
@FinStar wrote:
@taxi818 wrote:
Back in March I got two mailers from citi. The Home Depot pre selected and the diamond preferred. I took Home Depot as I was thinking high limit. But I got 2k. After they wanted another hp soon as I got card in hand I said no way. You just st pulled it a week ago. They wanted me to unfreeze eq. Anyway. My brother had same pre selected and went for diamond preferred. He got 1k limit. I put mine in shredder. Now for the life of me on their pre qual site I can't get anything. I will even take simplicity if I must. I have best buy mastercard plat. No AF. And HD what's a person to do? Cold app? Not happening. How reliable is ther pre approval site. I know chase reliable. Discover and boa sucks. Cap one goid. But citi. I have no ideal. I did not have this hard of a time for my amex
You may apply for it straight out if your profile supports it. One thing though, if you've had a recent flurry of new accounts and inquiries to boot, you may want to hold off until the dust settles.
Not many. Just 2 cards this year. And 3 inquiries in last 6 months.

Dang you have been a good kid compared to the other 3 posters thus far in the thread and I am one of them .

Re: Can't get citi pre approval?

FinStar — Tue, 26 May 2015 19:14:01 GMT

@taxi818 wrote:
@FinStar wrote:
@taxi818 wrote:
Back in March I got two mailers from citi. The Home Depot pre selected and the diamond preferred. I took Home Depot as I was thinking high limit. But I got 2k. After they wanted another hp soon as I got card in hand I said no way. You just st pulled it a week ago. They wanted me to unfreeze eq. Anyway. My brother had same pre selected and went for diamond preferred. He got 1k limit. I put mine in shredder. Now for the life of me on their pre qual site I can't get anything. I will even take simplicity if I must. I have best buy mastercard plat. No AF. And HD what's a person to do? Cold app? Not happening. How reliable is ther pre approval site. I know chase reliable. Discover and boa sucks. Cap one goid. But citi. I have no ideal. I did not have this hard of a time for my amex
You may apply for it straight out if your profile supports it. One thing though, if you've had a recent flurry of new accounts and inquiries to boot, you may want to hold off until the dust settles.
Not many. Just 2 cards this year. And 3 inquiries in last 6 months.

You can always decide if the card is worth it and apply. They can pull EX or EQ (in some instances both). If there are any frozen CRs, be sure you thaw them out.

Re: Can't get citi pre approval?

Anonymous — Tue, 26 May 2015 19:32:02 GMT

@CreditCuriousity wrote:
@taxi818 wrote:
@FinStar wrote:
@taxi818 wrote:
Back in March I got two mailers from citi. The Home Depot pre selected and the diamond preferred. I took Home Depot as I was thinking high limit. But I got 2k. After they wanted another hp soon as I got card in hand I said no way. You just st pulled it a week ago. They wanted me to unfreeze eq. Anyway. My brother had same pre selected and went for diamond preferred. He got 1k limit. I put mine in shredder. Now for the life of me on their pre qual site I can't get anything. I will even take simplicity if I must. I have best buy mastercard plat. No AF. And HD what's a person to do? Cold app? Not happening. How reliable is ther pre approval site. I know chase reliable. Discover and boa sucks. Cap one goid. But citi. I have no ideal. I did not have this hard of a time for my amex
You may apply for it straight out if your profile supports it. One thing though, if you've had a recent flurry of new accounts and inquiries to boot, you may want to hold off until the dust settles.
Not many. Just 2 cards this year. And 3 inquiries in last 6 months.
Dang you have been a good kid compared to the other 3 posters thus far in the thread and I am one of them .

Hey now I resent that :-). The number of new accounts and inquiries I have/had didn't seem to affect Citi one bit.

Re: Can't get citi pre approval?

CreditCuriosity — Tue, 26 May 2015 19:48:50 GMT

@Anonymous wrote:
@CreditCuriousity wrote:
@taxi818 wrote:
@FinStar wrote:
@taxi818 wrote:
Back in March I got two mailers from citi. The Home Depot pre selected and the diamond preferred. I took Home Depot as I was thinking high limit. But I got 2k. After they wanted another hp soon as I got card in hand I said no way. You just st pulled it a week ago. They wanted me to unfreeze eq. Anyway. My brother had same pre selected and went for diamond preferred. He got 1k limit. I put mine in shredder. Now for the life of me on their pre qual site I can't get anything. I will even take simplicity if I must. I have best buy mastercard plat. No AF. And HD what's a person to do? Cold app? Not happening. How reliable is ther pre approval site. I know chase reliable. Discover and boa sucks. Cap one goid. But citi. I have no ideal. I did not have this hard of a time for my amex
You may apply for it straight out if your profile supports it. One thing though, if you've had a recent flurry of new accounts and inquiries to boot, you may want to hold off until the dust settles.
Not many. Just 2 cards this year. And 3 inquiries in last 6 months.
Dang you have been a good kid compared to the other 3 posters thus far in the thread and I am one of them .
Hey now I resent that :-). The number of new accounts and inquiries I have/had didn't seem to affect Citi one bit.

This is true... You earned it! ..

Re: Can't get citi pre approval?

Anonymous — Tue, 26 May 2015 20:02:23 GMT

@CreditCuriousity wrote:
@Anonymous wrote:
@CreditCuriousity wrote:
@taxi818 wrote:
@FinStar wrote:
@taxi818 wrote:
Back in March I got two mailers from citi. The Home Depot pre selected and the diamond preferred. I took Home Depot as I was thinking high limit. But I got 2k. After they wanted another hp soon as I got card in hand I said no way. You just st pulled it a week ago. They wanted me to unfreeze eq. Anyway. My brother had same pre selected and went for diamond preferred. He got 1k limit. I put mine in shredder. Now for the life of me on their pre qual site I can't get anything. I will even take simplicity if I must. I have best buy mastercard plat. No AF. And HD what's a person to do? Cold app? Not happening. How reliable is ther pre approval site. I know chase reliable. Discover and boa sucks. Cap one goid. But citi. I have no ideal. I did not have this hard of a time for my amex
You may apply for it straight out if your profile supports it. One thing though, if you've had a recent flurry of new accounts and inquiries to boot, you may want to hold off until the dust settles.
Not many. Just 2 cards this year. And 3 inquiries in last 6 months.
Dang you have been a good kid compared to the other 3 posters thus far in the thread and I am one of them .
Hey now I resent that :-). The number of new accounts and inquiries I have/had didn't seem to affect Citi one bit.
This is true... You earned it! ..

Don't know about that but I'll take it. I think it does say that once your credit scores reach a certain point some of the normal caveats, I,e., too many new accounts, inquiries, etc tend to diminish in importance. Still every time I hit that submit button I expect an alarm to go off and the response comes back saying, 'Are you an idiot?'

Re: Can't get citi pre approval?

FinStar — Tue, 26 May 2015 20:15:47 GMT

@CreditCuriousity wrote:
@Anonymous wrote:
@CreditCuriousity wrote:
@taxi818 wrote:
@FinStar wrote:
@taxi818 wrote:
Back in March I got two mailers from citi. The Home Depot pre selected and the diamond preferred. I took Home Depot as I was thinking high limit. But I got 2k. After they wanted another hp soon as I got card in hand I said no way. You just st pulled it a week ago. They wanted me to unfreeze eq. Anyway. My brother had same pre selected and went for diamond preferred. He got 1k limit. I put mine in shredder. Now for the life of me on their pre qual site I can't get anything. I will even take simplicity if I must. I have best buy mastercard plat. No AF. And HD what's a person to do? Cold app? Not happening. How reliable is ther pre approval site. I know chase reliable. Discover and boa sucks. Cap one goid. But citi. I have no ideal. I did not have this hard of a time for my amex
You may apply for it straight out if your profile supports it. One thing though, if you've had a recent flurry of new accounts and inquiries to boot, you may want to hold off until the dust settles.
Not many. Just 2 cards this year. And 3 inquiries in last 6 months.
Dang you have been a good kid compared to the other 3 posters thus far in the thread and I am one of them .
Hey now I resent that :-). The number of new accounts and inquiries I have/had didn't seem to affect Citi one bit.
This is true... You earned it! ..

Ummm... yeah, I got approved for Prestige way after Irish, no issues on my end as far as inquiries or new accounts either

Re: Can't get citi pre approval?

CreditCuriosity — Tue, 26 May 2015 20:25:36 GMT

@FinStar wrote:
@CreditCuriousity wrote:
@Anonymous wrote:
@CreditCuriousity wrote:
@taxi818 wrote:
@FinStar wrote:
@taxi818 wrote:
Back in March I got two mailers from citi. The Home Depot pre selected and the diamond preferred. I took Home Depot as I was thinking high limit. But I got 2k. After they wanted another hp soon as I got card in hand I said no way. You just st pulled it a week ago. They wanted me to unfreeze eq. Anyway. My brother had same pre selected and went for diamond preferred. He got 1k limit. I put mine in shredder. Now for the life of me on their pre qual site I can't get anything. I will even take simplicity if I must. I have best buy mastercard plat. No AF. And HD what's a person to do? Cold app? Not happening. How reliable is ther pre approval site. I know chase reliable. Discover and boa sucks. Cap one goid. But citi. I have no ideal. I did not have this hard of a time for my amex
You may apply for it straight out if your profile supports it. One thing though, if you've had a recent flurry of new accounts and inquiries to boot, you may want to hold off until the dust settles.
Not many. Just 2 cards this year. And 3 inquiries in last 6 months.
Dang you have been a good kid compared to the other 3 posters thus far in the thread and I am one of them .
Hey now I resent that :-). The number of new accounts and inquiries I have/had didn't seem to affect Citi one bit.
This is true... You earned it! ..
Ummm... yeah, I got approved for Prestige way after Irish, no issues on my end as far as inquiries or new accounts either

Ya as Irish stated once your scores/profile hit a certain point inquiries and new accounts don't really matter near as much... when you are in the high 600's to low 700's they will throw anything they can at you to decline you especially if you have been seeking credit rapidly.. See me as prime example of this case.

Can't wait to be in the upper 700's so I don't have to deal with it near as much and have to "recon".. I gotta do my time just like everyone else has that did mistakes in the past and this I accept, just kick and scream along the way

Re: Can't get citi pre approval?

Anonymous — Tue, 26 May 2015 20:30:27 GMT

Agreed- impact of all kinds of issue has to be put in context of your overall score and profile. Kind of like boiling points changing at different elevations.

Re: Can't get citi pre approval?

FinStar — Tue, 26 May 2015 22:08:18 GMT

@taxi818 wrote:
@FinStar wrote:
@taxi818 wrote:
Back in March I got two mailers from citi. The Home Depot pre selected and the diamond preferred. I took Home Depot as I was thinking high limit. But I got 2k. After they wanted another hp soon as I got card in hand I said no way. You just st pulled it a week ago. They wanted me to unfreeze eq. Anyway. My brother had same pre selected and went for diamond preferred. He got 1k limit. I put mine in shredder. Now for the life of me on their pre qual site I can't get anything. I will even take simplicity if I must. I have best buy mastercard plat. No AF. And HD what's a person to do? Cold app? Not happening. How reliable is ther pre approval site. I know chase reliable. Discover and boa sucks. Cap one goid. But citi. I have no ideal. I did not have this hard of a time for my amex
You may apply for it straight out if your profile supports it. One thing though, if you've had a recent flurry of new accounts and inquiries to boot, you may want to hold off until the dust settles.
Not many. Just 2 cards this year. And 3 inquiries in last 6 months.

So, are you considering Ring, Citi DP and BBVA NBA AMEX for any specific purpose (i.e. BT)? Has your debt/utilization spiked up? Any specific benefits you are looking for with either of those you've mentioned in recent threads?

Re: Can't get citi pre approval?

taxi818 — Tue, 26 May 2015 22:30:07 GMT

No. Nothing spiked up. In fact. Every thing went down. I'm down to less than 10% util. Paid off mostly everything. Score is rising. But in this order. I don't want all 3.
Ring. If can't have. Would go for a citi as no prime relationship with them. Other than Home Depot and beat buy. Consolation prize would be bbvd. As they pull transunion. As alast resort. I'm only 6k away from the magical 100k. Except Macy's. And diners are hidden. So no affect on util. But ring would be great to carry balance. My lowest apr is 11.99. On my Gte. But low limit. 4k. Next. Is diners club. 13.15%. But only 5k. I need something for travel like Amex. But with 10k plus limit. That's all I'm looking for. Really low apr is priority.

Re: Can't get citi pre approval?

FinStar — Wed, 27 May 2015 04:25:33 GMT

@taxi818 wrote:
No. Nothing spiked up. In fact. Every thing went down. I'm down to less than 10% util. Paid off mostly everything. Score is rising. But in this order. I don't want all 3.
Ring. If can't have. Would go for a citi as no prime relationship with them. Other than Home Depot and beat buy. Consolation prize would be bbvd. As they pull transunion. As alast resort. I'm only 6k away from the magical 100k. Except Macy's. And diners are hidden. So no affect on util. But ring would be great to carry balance. My lowest apr is 11.99. On my Gte. But low limit. 4k. Next. Is diners club. 13.15%. But only 5k. I need something for travel like Amex. But with 10k plus limit. That's all I'm looking for. Really low apr is priority.

Oh I see. I was merely curious since you kinda bounced off with different cards that you were looking for but didn't mention whether it was for APR purposes or high SL. Ok, well whichever product you decide on applying, best of luck taxi!

Re: Can't get citi pre approval?

taxi818 — Wed, 27 May 2015 12:10:17 GMT

Well since I said this. I got letter. Saying my final negative will be deleted. I'm hope for 80 point boost. At least 750 across the board. Then I can get the ring and be done with credit cards. Thanks fin.

Re: Can't get citi pre approval?

FinStar — Wed, 27 May 2015 20:02:41 GMT

Well, that's excellent news taxi! Wait until all your scores are optimized across the board and confirm that the derogatory item is removed. Even if the boost is not exactly 80 points (keep in mind rebucketing), any boost is good. Then, once everything is in the clear, apply for Ring (oh, and please leave the chickens in the coop)

Re: Can't get citi pre approval?

taxi818 — Wed, 27 May 2015 20:12:04 GMT

@FinStar wrote:
Well, that's excellent news taxi! Wait until all your scores are optimized across the board and confirm that the derogatory item is removed. Even if the boost is not exactly 80 points (keep in mind rebucketing), any boost is good. Then, once everything is in the clear, apply for Ring (oh, and please leave the chickens in the coop)

Ok. im not sure what to actually think. as i got the letter yesterday. you can find it in the Rebuilding thread. rebucketing. Geez. so even though my report will be 100% Clean i should not expect a big boost?. currently scores are 663 eq.. 689 tu. and 691 ex. so im hoping for at least. 740s

Not sure. as my AAoA is toast. so im not gonna apply for anthing. however. in the letter. it states. it will take 6-8 weeks for the deletion to reflect on my credit rport is this normal? and that the letter they sent is verification for the deletion. if i don't hear anything in that time frame. should i dispute?. not sure. as ive never walked down this road before.

let me know finstar. need little advice.

here is info on thread i posted after i got letter. Thanks.

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Brighthouse-Cable-Collection-Should-i-be-excited-gt/td-p/4032934

Re: Can't get citi pre approval?

FinStar — Wed, 27 May 2015 20:24:02 GMT

I wouldn't worry about rebucketing at this point, it's simply the after effects since this would be a change in your overall credit profile. It's hard to predict the "boost" since the algorithms play a big part on this. I'm just happy to learn that it's going to be removed.

Now, thankfully you have the information in writing which confirms the deletion of the item and the approximate timeframe. I believe the language of the letter is pretty standard. Perhaps others who have had a similar situation can opine on this piece. Maybe it won't take that long for it to be removed.

I assume you have a monitoring service that provides frequent updates depending on any changes that occur on your CRs.

I know patience is not exactly your best friend but in this case I'm thinking there aren't any shortcuts, unless some folks can provide otherwise

Re: Can't get citi pre approval?

taxi818 — Wed, 27 May 2015 20:31:10 GMT

@FinStar wrote:
I wouldn't worry about rebucketing at this point, it's simply the after effects since this would be a change in your overall credit profile. It's hard to predict the "boost" since the algorithms play a big part on this. I'm just happy to learn that it's going to be removed.

Now, thankfully you have the information in writing which confirms the deletion of the item and the approximate timeframe. I believe the language of the letter is pretty standard. Perhaps others who have had a similar situation can opine on this piece. Maybe it won't take that long for it to be removed.

I assume you have a monitoring service that provides frequent updates depending on any changes that occur on your CRs.

I know patience is not exactly your best friend but in this case I'm thinking there aren't any shortcuts, unless some folks can provide otherwise

Yes, I have plenty of monitoring. im patient for sure if something like this comes up. I was sure this would not be gone until jan 2017. so i really had no expectations.

6 more weeks is small in the scheme of things. but the letter is dated . 5-18. so thats where my count begins. if i hear nothing by 7-18. i will call and dispute on all 3. as the letter says. if i have further questions. contact the cra's. which i most certainly will if it does not come off in the next 7 weeks. thanks again.