topic Re: CITI SECURED EARLY GRADUATION!!! in Credit Cards

CITI SECURED EARLY GRADUATION!!!

Anonymous — Fri, 13 Aug 2021 02:17:25 GMT

I have alot of credit cards, I mean alot, but for some reason Citi never liked my credit profile. Maybe it was all of my cc accounts, who knows. Anyway last October I was determined to join the Citi family, if it was thru a secured card so be it. I appled for the Citi Diamond secured card and put down a $2500 secured collateral deposit. Fast forward to today which is 10 months since having the Citi diamond secured card and I got a letter in the mail from Citi they had early graduated my card!! The letter said I would be getting my deposit back and getting a Citi Diamond Preffered card. Before applying for this card I read horrible reviews that Citi wound find reasons not to graduate there secured cards and especially hardly ever early. I have had the card for 10 months, all I did was put my Netflix $17.99 charge on each month and paid it in full. Citi rewarded me for keeping my account in good standing. I just wanted to let anyone know who is starting there credit journey, rebuilding credit, or maybe like me who just wanted to join the Citi family, this is a great card to start with. Citi will reward you with early graduation as long as u do your part and keep your account in good standing. I hope to PC the Citi Diamond Preferred to Custom Cash when I receive the Diamond Preferred Card. Hope this post helps some people who are thinking about applying for Citi Diamond secured card, Early Graduation is Definately Possible!!!!

Re: CITI SECURED EARLY GRADUATION!!!

Red1Blue — Fri, 13 Aug 2021 03:05:08 GMT

Congrats for your card graduation

Re: CITI SECURED EARLY GRADUATION!!!

sznthescore — Fri, 13 Aug 2021 03:10:58 GMT

gumbeeleee Congratulations! What other data points do you have to share? Credit score, inquiries, new accounts in the last 12/24 months, etc.

Re: CITI SECURED EARLY GRADUATION!!!

Anonymous — Fri, 13 Aug 2021 03:57:53 GMT

Score wise i just checked myfico, I am at 761TU 754EQ 746EXP...I will have to double check my inquires but will make me a nice signature like everyone else has....account wise, and I need to get rid of some of these I dont ever use, I have almost 30 cc's right now...i know ridiculous

Re: CITI SECURED EARLY GRADUATION!!!

KingRue8500 — Fri, 13 Aug 2021 04:35:03 GMT

Congrats on your CIti Secured early graduation

Re: CITI SECURED EARLY GRADUATION!!!

Papa_Bear — Fri, 13 Aug 2021 05:45:09 GMT

Congratulations!

Re: CITI SECURED EARLY GRADUATION!!!

MrDFinance — Fri, 13 Aug 2021 05:59:04 GMT

Congrats on the graduation!!....And good job on staying dedicated to level Up your credit 🤓

Re: CITI SECURED EARLY GRADUATION!!!

Total80sKid — Fri, 13 Aug 2021 06:06:56 GMT

Congrats on the early Citi graduation 🥳🎉

Re: CITI SECURED EARLY GRADUATION!!!

CreditAggie — Fri, 13 Aug 2021 13:02:13 GMT

Congratulations on your Citi graduation and product upgrade!

Re: CITI SECURED EARLY GRADUATION!!!

Anonymous — Fri, 13 Aug 2021 13:05:13 GMT

It is always great to hear good news.

Thanks for the post.

Mark

Re: CITI SECURED EARLY GRADUATION!!!

calyx — Fri, 13 Aug 2021 14:34:01 GMT

Huge congrats!

And be sure to have some patience - it sometimes (usually) takes a bit of time for Citi to get the graduation sorted out (converting the account from Diamond to Diamond Preferred, mailing out the card, etc). You might need to wait a bit for any product changes, as Citi is pretty slow with them as well.

Good luck on the PC, and congrats again I had no problems with my Citi Secured card, either, and have also had no problems with them. I have wondered if they're more lenient to those who go for higher secure limits wrt graduation.

Re: CITI SECURED EARLY GRADUATION!!!

M_Smart007 — Fri, 13 Aug 2021 15:37:54 GMT

Congrats on your "EARLY" Citi Graduation🎓

Re: CITI SECURED EARLY GRADUATION!!!

Anonymous — Sat, 14 Aug 2021 01:50:42 GMT

Yeah it said up to 75 days from when I got the letter but from alot of other members reviews I seen after they were graduated they got the Citi Diamond Preferred 2-3 weeks after they got the letter. I am in no rush at all, just glad I got the early graduation.

Re: CITI SECURED EARLY GRADUATION!!!

Anonymous — Sat, 14 Aug 2021 02:21:25 GMT

Congrats !

Re: CITI SECURED EARLY GRADUATION!!!

CH-7-Mission-Accomplished — Sat, 14 Aug 2021 03:25:16 GMT

@Anonymous wrote:
I have alot of credit cards, I mean alot, but for some reason Citi never liked my credit profile. Maybe it was all of my cc accounts, who knows. Anyway last October I was determined to join the Citi family, if it was thru a secured card so be it. I appled for the Citi Diamond secured card and put down a $2500 secured collateral deposit. Fast forward to today which is 10 months since having the Citi diamond secured card and I got a letter in the mail from Citi they had early graduated my card!! The letter said I would be getting my deposit back and getting a Citi Diamond Preffered card. Before applying for this card I read horrible reviews that Citi wound find reasons not to graduate there secured cards and especially hardly ever early. I have had the card for 10 months, all I did was put my Netflix $17.99 charge on each month and paid it in full. Citi rewarded me for keeping my account in good standing. I just wanted to let anyone know who is starting there credit journey, rebuilding credit, or maybe like me who just wanted to join the Citi family, this is a great card to start with. Citi will reward you with early graduation as long as u do your part and keep your account in good standing. I hope to PC the Citi Diamond Preferred to Custom Cash when I receive the Diamond Preferred Card. Hope this post helps some people who are thinking about applying for Citi Diamond secured card, Early Graduation is Definately Possible!!!!

Congrats on your success. I had just the oppositive experience with Citi. Initially applied with them for a 1K secured card post BK and at that point I had probably six cards with limits of 10K each. They double pulled me (for a secured card!) and declined me. I really wanted in with them because I use American Airlines points and have a lot of them. A year later I re-applied for a 1K secured card and this time they put me through full underwriting, POI, etc., a double pull -- and approved me for the secured card. It was supposed to graduate at 18 months and by then I had 260K in available credit and FICO 8's in the 760s. When the card was ready to graduate at 18 months I got a letter from Citi saying they wanted to hold my deposit for ANOTHER YEAR. I was practicing AZEO, had a SSI under 7%, no debt aside from $5/month reporting on one revolver, no new accounts or inquiries. I told them that perhaps it just wasn't our time to be friends. I am particularly gauled by Citi becuase they were one of the worst banks when the government applied the stress tests back in 2008 -- they were in horrible shape. So my tax $$$ went to bail out out their sorry backsides and they treated me the way they did. Oh well. To tell you the truth, I think the reason they didn't like me was because I had become so successful post BK. They don't often see guys like me. I will re-apply with them when my BK falls off in three years and go for all thos American Airline bonuses, but as the TV show used to say, "Homey don't play dat."

Re: CITI SECURED EARLY GRADUATION!!!

Anonymous — Sat, 14 Aug 2021 04:21:35 GMT

Wow, so maybe alot of those reviews I read were correct about Ciiti not wanting to graduate customers. I have to agree thats some BS with your utilization, and your overall credit amount. Maybe I am starting to think I was just one of the lucky ones with Citi graduation in general. Hope the next time around brings you better results after you reapply. Also BTW loved the, "Homie dont play that reference" I still record and watch In Living Color reruns.

Re: CITI SECURED EARLY GRADUATION!!!

surferchris — Sat, 14 Aug 2021 04:56:32 GMT

Congrats!

Re: CITI SECURED EARLY GRADUATION!!!

Rudy1 — Sun, 15 Aug 2021 04:46:29 GMT

Congrats on your Citi Secured graduation! This happend to me last month to 13 months after I applied. I used the card sometimes but also had a bill on it every month. My inquries are a joke that's why I can't get a cli need to garden for a year and then get one. Citi isn't horrible I've always found their customer service to be good. I was 0/12 at the time.

Re: CITI SECURED EARLY GRADUATION!!!

KJinNC — Sun, 15 Aug 2021 15:26:49 GMT

@Anonymous wrote:
Citi will reward you with early graduation as long as u do your part and keep your account in good standing.

Congrats on your card's early graduation. It is an honest, decent secured card, and I like Citi in general. However, I wouldn't make as broad a statement as what I quoted here. There are many, many people on this board who "do their part and keep their account in good standing" who do not graduate early; in fact, many graduate late, or never. I would actually not recommend getting this card based on the idea that it will graduate, because DPs are all over the map with it, and by the time it might graduate, you could probably just get an unsecured Citi card. That is what I did. About a year after opening the secured card, I had closed it, and opened two unsecured Citi cards with CLs of $9500 and $11000 respectively. JMO. Again, congrats!

Re: CITI SECURED EARLY GRADUATION!!!

Anonymous — Sun, 15 Aug 2021 15:42:47 GMT

@Rudy1 wrote:
Congrats on your Citi Secured graduation! This happend to me last month to 13 months after I applied. I used the card sometimes but also had a bill on it every month. My inquries are a joke that's why I can't get a cli need to garden for a year and then get one. Citi isn't horrible I've always found their customer service to be good. I was 0/12 at the time.

I don't expect to graduate at my 18 month mark in October. My recent inquiries are LOL....yikes.