topic Re: Citi Platinum Select and Citi Diamond Preferred cards in Credit Cards

Citi Platinum Select and Citi Diamond Preferred cards

BoSox617 — Tue, 01 Mar 2011 23:30:42 GMT

Hi all,

I'm interested in obtaining a credit card with no AF, 0% intro for purchases (not BTs).

The Citi Platinum Select and Citi Diamond Preferred cards each offer a 0% intro 18 month offer, no AF. If any of you have any other suggestions, I would much appreciate it

If anyone obtained either card (with excellent credit), how were their initial CLs compared to your other cards? I’d like to know if they tend to compete with your existing limits, or if they generally start you off at some lower limit, and build up with positive history.

Thanks in advance!

Re: Citi Platinum Select and Citi Diamond Preferred cards

Anonymous — Tue, 01 Mar 2011 23:34:54 GMT

@BoSox617 wrote:
Hi all,

I'm interested in obtaining a credit card with no AF, 0% intro for purchases (not BTs).

The Citi Platinum Select and Citi Diamond Preferred cards each offer a 0% intro 18 month offer, no AF. If any of you have any other suggestions, I would much appreciate it

If anyone obtained either card (with excellent credit), how were their initial CLs compared to your other cards? I’d like to know if they tend to compete with your existing limits, or if they generally start you off at some lower limit, and build up with positive history.

Thanks in advance!

I was just approved for the Citi Diamond. My BK just feel off my reports and my Fico scores were in the 704-725 range. My highest limit had been with US Bank at $2,500 and Citi gave me $3,600. I know it's probably not the kind of credit line your looking for but they did go higher than my highest line. Hope this helps.

Re: Citi Platinum Select and Citi Diamond Preferred cards

Anonymous — Tue, 01 Mar 2011 23:40:07 GMT

Peaches, did it take 10 years for the BK to fall off? I was wondering if it happens right at 10 years or not. Mine says 3/2003 on my report

Re: Citi Platinum Select and Citi Diamond Preferred cards

Anonymous — Wed, 02 Mar 2011 00:16:54 GMT

@Anonymous wrote:
Peaches, did it take 10 years for the BK to fall off? I was wondering if it happens right at 10 years or not. Mine says 3/2003 on my report

I filed 3/2001 and it came off my EX on January 1, EQ on February 1, TU about the 15th of February.

Re: Citi Platinum Select and Citi Diamond Preferred cards

OnTheRebound — Wed, 02 Mar 2011 02:56:07 GMT

After not having any credit of my own about 8 years, I recieved a preapproval from Citi for the Platinum Select MC. Instant online approval, $8700.00.

I was/am an AU on several of my wife's cards. Two of the highest were Chase $8014.00 CL and Lowes $10000.00 CL.

ETA: This was six months ago.

Re: Citi Platinum Select and Citi Diamond Preferred cards

android01 — Wed, 02 Mar 2011 04:23:06 GMT

I have the Diamond Preferred. They pulled EX, and my score at the time was 752 (FICO). AAoA is 12+ years. CL was/is $11,700.

Re: Citi Platinum Select and Citi Diamond Preferred cards

BoSox617 — Wed, 02 Mar 2011 20:00:13 GMT

Thank you all very much for your feedback, I appreciate it

I actually happened to receive an invitation to join in the mail today (for the Citi Diamond Preferred card). The invitiation offers 0% for 15 months, but Citi's site offers it for 18.

I'll do a bit more research, and see if anyone else has any feedback to share.

Thanks again!

Re: Citi Platinum Select and Citi Diamond Preferred cards

vish1 — Wed, 02 Mar 2011 20:27:30 GMT

@BoSox617 wrote:
Thank you all very much for your feedback, I appreciate it

I actually happened to receive an invitation to join in the mail today (for the Citi Diamond Preferred card). The invitiation offers 0% for 15 months, but Citi's site offers it for 18.

I'll do a bit more research, and see if anyone else has any feedback to share.

Thanks again!

Don't ever read city invitation in the mail as anything sensible. Most other banks send you a invite/pre approval based on some pre set credit criteria and you have a decent chance of approval. With city, they send you invite based on some strange criteria (nothing to do with credit). I got invites for citi AA visa signature when my credit history was 1 month old. This invite was probably because I took a few AA flights and agreed to receive promotional mails from their partners while signing up for AA Frequent Flier thing.

Re: Citi Platinum Select and Citi Diamond Preferred cards

BoSox617 — Wed, 02 Mar 2011 21:25:48 GMT

Thanks vish1, I realize that an invite does not guarantee an approval.

I meant my comment in a "what a funny coincidence" sort of way, rather than a "I've gotta be approved! Yay!" sort of way

But thanks for looking out!

Re: Citi Platinum Select and Citi Diamond Preferred cards

ficonightmare — Wed, 02 Mar 2011 22:28:25 GMT

We have the Platinum Diviidend Select.

Don't remember what they started my hubby with but it's now 26k. It's also my favorite card. Hubby called a few months ago to get the APR lowerd. Went from 14.24 to 9.99 for six months. Was told if he doesn't like the rate after 6 months, to call back and they'll lower it again. I mean c'mon, what bank does that?!

Re: Citi Platinum Select and Citi Diamond Preferred cards

Anonymous — Thu, 03 Mar 2011 01:17:10 GMT

I have essentially both cards. My first Citi card was the Diamond Platinum Rewards Amex, and with mid 700 scores they gave me $3200 and with a CLI I'm up to $4400. Interest is high on that unlike any other cards I have at 20.99%, since the 0% has ended recently. I got the Dividend Platinum Select card a couple months ago and they gave me a limit of $5100. I was happy with that, especially with it being my second Citi card. It has 16.99% apr which is ok compared to my others which range from 11.24-16.24. The Platinum card sure is ugly though if you care about aesthetics. My DPR card is being converted into a thankyou card and since the DP card that is offered now has no rewards, check the ThankYou card starting bonuses. On that card I recieved a $100 gift card on my signup points. If I were you, I'd app for the Dividend card because you can build up copious amounts of cash back if that is your thing, yet $300 is the cap per year.....GOOD LUCK!!!

Re: Citi Platinum Select and Citi Diamond Preferred cards

JaseT — Thu, 03 Mar 2011 01:18:30 GMT

I was recently approved for a Citi Diamond Preferred MC. They completely lowballed me with a CL of only $1200.00. I asked for a CLI upon activation, but they said I had to wait 6 months before they would consider. I have CL's of $10k-$20k.