topic Re: Citi Diamond Preferred Card BS in Credit Cards

Citi Diamond Preferred Card BS

blackfines1 — Fri, 21 Sep 2018 15:20:54 GMT

i first started with $400 secured citi card 2y ago, after 18 month they upgraded to citi diamond preferred card with $800 CL. After 2 y 1/2 the max i got is $1100 my vantage score is 760 ( 2018). just keeping because of credit age. They increase once every 6 month, if you request a CLI sometimes they do HP. Citi use transunion for CLI in TX, and experian for opening.

Re: Citi Diamond Preferred Card BS

FireMedic1 — Fri, 21 Sep 2018 15:27:48 GMT

@blackfines1 wrote:
i first started with $400 secured citi card 2y ago, after 18 month they upgraded to citi diamond preferred card with $800 CL. After 2 y 1/2 the max i got is $1100 my vantage score is 760 ( 2018). just keeping because of credit age. They increase once every 6 month, if you request a CLI sometimes they do HP. Citi use transunion for CLI in TX, and experian for opening.

Vantage score is useless. Ignore it. So what is the BS for? You started at the bottom and have moved up as you rebuild with CIti. You provided hardly any other history of other accounts. Get your FICO with Discover Scorecard. Report back.

Re: Citi Diamond Preferred Card BS

Civil — Fri, 21 Sep 2018 15:39:48 GMT

I agree with FireMedic, my vantage scores are in the high 600s but my FICO are in the low 600s...Don't follow vantage scores. Give us more info to what is on your report

Re: Citi Diamond Preferred Card BS

staticvoidmain — Fri, 21 Sep 2018 15:44:30 GMT

Curious, what is your EQ Fico Bankard 8 score which Citi provides?

Re: Citi Diamond Preferred Card BS

blackfines1 — Fri, 21 Sep 2018 15:51:24 GMT

FICO score card is 739

Re: Citi Diamond Preferred Card BS

Civil — Fri, 21 Sep 2018 16:22:21 GMT

Need more details...any negatives and how many cards you have with balances, age of credit history all those play a factor it's not just scoring

Re: Citi Diamond Preferred Card BS

AverageJoesCredit — Fri, 21 Sep 2018 16:49:40 GMT

Im not sure i understand this post. I never get sp cli from Citi so if you do you are doing something right

Re: Citi Diamond Preferred Card BS

UpperNwGuy — Fri, 21 Sep 2018 16:56:18 GMT

There must be more to this story than is being shared with us.

Re: Citi Diamond Preferred Card BS

Anonymous — Fri, 21 Sep 2018 18:22:04 GMT

I don't think it's BS, Citi is a slow goer in general with small CLIs every 6 months. If you don't show the useage, then they probably don't feel the need to raise it too much. Also, there are other cards out there if you feel unhappy with Citi. Sometimes a secured card will never be more than a starter and essentially be locked in at low CL.

@AverageJoesCredit wrote:
I never get sp cli from Citi so if you do you are doing something right

I've received two

Re: Citi Diamond Preferred Card BS

staticvoidmain — Fri, 21 Sep 2018 18:34:19 GMT

@AverageJoesCredit wrote:
Im not sure i understand this post. I never get sp cli from Citi so if you do you are doing something right

By default, LUV button will do a SP. It will be instant, and they will determine how much.

After that, if you try requesting again, I believe they will ask more questions.

Re: Citi Diamond Preferred Card BS

AverageJoesCredit — Fri, 21 Sep 2018 21:51:32 GMT

@staticvoidmain wrote:
@AverageJoesCredit wrote:
Im not sure i understand this post. I never get sp cli from Citi so if you do you are doing something right
By default, LUV button will do a SP. It will be instant, and they will determine how much.
After that, if you try requesting again, I believe they will ask more questions.

lol, i see this language every time i check. On both my Citi legacy cards, no dice at all. To be fair its probably more to do with my overall exposure in regards to my income but would be nice to feel some growth

Re: Citi Diamond Preferred Card BS

blackfines1 — Sat, 22 Sep 2018 11:38:55 GMT

my point is they credit limit is too tiny and getting a increased is hard

Re: Citi Diamond Preferred Card BS

AverageJoesCredit — Sat, 22 Sep 2018 11:49:59 GMT

Good point, i feel it too, especially if you want to use the DP as a BT card.

sRe: Citi Diamond Preferred Card BS

blackfines1 — Fri, 18 Jan 2019 08:41:53 GMT

Quick update, i've stop using this card for 3 month , maybe management read this post but , got yesterday CLI of 1k ??? and was also approuved for citi premier 9k

Re: sRe: Citi Diamond Preferred Card BS

FireMedic1 — Fri, 18 Jan 2019 10:29:48 GMT

You started as you said in Sept two and a half years ago with $400 secured CL. Now you got a $1000 CLI and approved for 9 grand on a new card and you put a pissed off emoticon? Seriously? You should be thanking your lucky stars you moved up that fast. And there are tons of people on here that would take any card from Citi that they cant get. Congrats anyway.....................................(shuts mouth)

#SMH

Re: Citi Diamond Preferred Card BS

UncleB — Fri, 18 Jan 2019 11:40:51 GMT

This thread is now locked and closed to new messages.

@blackfines1, you're welcome to start a new thread about your CLI and new approval in the Credit Card Approvals forum if you would like.

topic Re: Citi Diamond Preferred Card **BS** in Credit Cards

Citi Diamond Preferred Card **BS**

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topic Re: Citi Diamond Preferred Card BS in Credit Cards

Citi Diamond Preferred Card BS

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