topic Re: Citi Platinum Select in Credit Cards

Citi Platinum Select

Anonymous — Thu, 21 Apr 2011 23:28:01 GMT

How hard is it to get this card? They sent me an invite in the mail today. Just wonering if i should bother applying or not.

Re: Citi Platinum Select

DI — Thu, 21 Apr 2011 23:43:02 GMT

@Anonymous wrote:
How hard is it to get this card? They sent me an invite in the mail today. Just wonering if i should bother applying or not.

Easier to get approved with Citi than it is with Discover, AMEX and Chase.

Re: Citi Platinum Select

OnTheRebound — Fri, 22 Apr 2011 00:01:47 GMT

After not having any credit of my own for about 8 years and all my bad accounts fell from my reports, I received a preapproved offer for the Plat. Select MC. It was a instant approval for $8.7K, now $10K. This was 8 months ago.

Re: Citi Platinum Select

Anonymous — Fri, 22 Apr 2011 00:44:35 GMT

Well i fell for the bait and applied. I got the dredded "We have received your application and further processing is required at this time. We will contact you within a week via email regarding our decision". Oh well guess NFCU will remain as my only prime card. No more apping for atleast 6 months.

Re: Citi Platinum Select

OnTheRebound — Fri, 22 Apr 2011 01:02:35 GMT

Don't give up yet. They probably just want to know a bit more about you such as verification. Good luck.

Re: Citi Platinum Select

Anonymous — Fri, 22 Apr 2011 01:07:52 GMT

Yeah I guess your right. Atleast it wasn't an instant denial lol. I'll report back when I find out the results.

Re: Citi Platinum Select

treefrogger — Fri, 22 Apr 2011 01:09:32 GMT

I got approved for Platinum Select and DP Rewards in October after paying a Crap1 CO in May, so they seem fairly forgiving.

Re: Citi Platinum Select

JayRizzo — Fri, 22 Apr 2011 01:11:24 GMT

Wish I'd seen this post a wee bit earlier because I received the same offer in the mail today (guess it was their mass-mailing week), but everyone knows what I do with mail offers...

(singing) You put the Offer IN, you take the Offer OUT, you put the Offer IN and you "SHRED" it all about...

Re: Citi Platinum Select

Anonymous — Fri, 22 Apr 2011 02:02:27 GMT

They approved me back in march for there Citi Dividend Platinum Select MasterCard.. $500 starting limit with 12.99%, not a great starting limit but I had lot of hard inq on my report.. and a unpaid medical baddie from 05. I was instant approved online. I'm just going to PIF each month and every 6 months request a CLI.

Re: Citi Platinum Select

OnTheRebound — Fri, 22 Apr 2011 02:05:25 GMT

@JayRizzo wrote:
Wish I'd seen this post a wee bit earlier because I received the same offer in the mail today (guess it was their mass-mailing week), but everyone knows what I do with mail offers...

(singing) You put the Offer IN, you take the Offer OUT, you put the Offer IN and you "SHRED" it all about...

Don't worry. You will be getting plenty more. They didn't leave me alone untill I accepted after about 2 months of me trying to gather enouph courage to pull the trigger. I figured I would be good for a $500 CL IF I was approved. Needless to say, I was quite shocked when they gave me a $8.7K starting CL.

Now they are sending my wife offers every week, sometimes twice a week, for every card they have. I have a desk drawer full that needs to be shredded. She doesn't need or want any more credit.

Re: Citi Platinum Select

Anonymous — Fri, 22 Apr 2011 15:12:51 GMT

Should I wait for their email or try calling before to find out if I'm approved?

Re: Citi Platinum Select

DI — Fri, 22 Apr 2011 15:18:22 GMT

@Anonymous wrote:
Should I wait for their email or try calling before to find out if I'm approved?

Patience is of virtue

Re: Citi Platinum Select

OnTheRebound — Fri, 22 Apr 2011 15:18:48 GMT

If you can't stand the wait, then call them. See what they say. Won't hurt.

Re: Citi Platinum Select

DI — Fri, 22 Apr 2011 15:20:03 GMT

@OnTheRebound wrote:
If you can't stand the wait, then call them. See what they say. Won't hurt.

Calling and being told you're denied hurts the heart.

Re: Citi Platinum Select

Anonymous — Fri, 22 Apr 2011 15:40:27 GMT

seems like advice to not be ignored, was planning to call discover today... not anymore lol

Re: Citi Platinum Select

Anonymous — Fri, 22 Apr 2011 15:44:54 GMT

That's true DI lol. I just hate waiting. With NFCU they gave me a 3 to 5 day message and 23 days later I was approved lol. Hope their days aren't as long as NFCU lmao.

Re: Citi Platinum Select

Anonymous — Fri, 22 Apr 2011 16:48:27 GMT

Well I found a number in the back door number section. Its an automated approval status line. I called and it says they were unable to approve me. Well back to the gardening.

Re: Citi Platinum Select

JayRizzo — Fri, 22 Apr 2011 17:43:14 GMT

Remember, if you don't really need it... don't apply. Garden until you know you're in a good position to apply for BTs or other tasks.

Still humming my song. ...And you shred it all about...

Re: Citi Platinum Select

Anonymous — Sun, 24 Apr 2011 01:52:44 GMT

Ok so the finally emailed me my denial. It says that the credit agency they used reported a limited credit history. Is it worth a recon call? If so who should i ask to skeak too?

Re: Citi Platinum Select

vish1 — Sun, 24 Apr 2011 21:48:07 GMT

@Anonymous wrote:
Ok so the finally emailed me my denial. It says that the credit agency they used reported a limited credit history. Is it worth a recon call? If so who should i ask to skeak too?

You can try a recon, though chances are not great as:

I dun recall hearing a lot of recon success with citi
I dun think their analysts can override the computer decision easily

I also want to say this. I feel bad that I was not around to reply your original post, else I would have warned you about something, which is:

IMO, citi invites are the weakest I have seen (as good as a cold application), with all othe CCCs i know of you have a much better chances of approval with an invite. Citi invites people for reasons as basic as they having membership with a partner like american airlines. You can get an invite to apply for citi AA visa signature just coz you have signed for american airlines frequent flier and have no credit history.