topic Re: I need your help guys in Credit Cards

I need your help guys

Anonymous — Thu, 29 Mar 2012 23:40:46 GMT

I got an offer in the mail for a Citibank Platinum Select Visa. Pretty good one too. 0% for 12 months. So I know pre-approved and pre-selected are two different things but if the pre-selected has opt-out info, which it did, it is a better shot at being approved. I found that people who apply with offer were approved. They usually had low utilization, 0-2 inquiries on the Experian credit report, and a soft inquiry from citi cards on their credit report.

I checked, and I had the same soft inqury on my credit report. I'm thinking about applying in May, is there a good chance i'll get approved?

What do you guys think?

My Info

Utilization: 0-9%

0 inquries within the last 12 months

Score: somewhere in the 700's not sure since we can't get our fico score

Haven't been late on anything in 3 years

Baddies: none in the past 3 years, all paid in full

Re: I need your help guys

Anonymous — Thu, 29 Mar 2012 23:56:45 GMT

Id say you have a pretty decent chance. I wouldnt think the limit would be to high with the baddie only being 3 years. Its not with Citi is it?

Re: I need your help guys

Anonymous — Fri, 30 Mar 2012 00:12:51 GMT

No sir tannerk, I have only dreamed of owning a citicard but never have I ever defaulted on them.

I anticipate a small limit of at least $1000 which I would be more than happy with because I know Citi will grow with you as long as you treat Citi right, they'll treat you right.

Re: I need your help guys

LS2982 — Fri, 30 Mar 2012 01:04:08 GMT

@Anonymous wrote:
I got an offer in the mail for a Citibank Platinum Select Visa. Pretty good one too. 0% for 12 months. So I know pre-approved and pre-selected are two different things but if the pre-selected has opt-out info, which it did, it is a better shot at being approved. I found that people who apply with offer were approved. They usually had low utilization, 0-2 inquiries on the Experian credit report, and a soft inquiry from citi cards on their credit report.

I checked, and I had the same soft inqury on my credit report. I'm thinking about applying in May, is there a good chance i'll get approved?

What do you guys think?

My Info
Utilization: 0-9%
0 inquries within the last 12 months
Score: somewhere in the 700's not sure since we can't get our fico score
Haven't been late on anything in 3 years
Baddies: none in the past 3 years, all paid in full

I'd say you would get it, possibly a good limit too.

Re: I need your help guys

pizzadude — Fri, 30 Mar 2012 01:12:11 GMT

I think that you have a decent shot ~ assuming that your baddies aren't of the type that would usually get an automatic denial, like BK, etc...

Re: I need your help guys

Anonymous — Fri, 30 Mar 2012 01:44:32 GMT

No Banruptcy, No forclosure, No Repossions, No Judments, No Tax Liens Nada

Just some lates from when I was unable to work due to a car accident. As soon as I was able to get back to work, I paid all of my accounts, which were closed--due to the lateness, off completely.

Re: I need your help guys

halos24 — Fri, 30 Mar 2012 01:47:37 GMT

Although it is a different card Citi Thank you in my case sent me an offer and was not instant (heard it sometimes is not) but I called the next day the backdoor number and was approved for $1500. They did not question my inquiries nor the lates I had from 2007-2008.

How old are your lates?

Re: I need your help guys

Anonymous — Fri, 30 Mar 2012 02:12:46 GMT

Last late thing was August of 2009 been clean since.

I've read that they dont care too much about paid charge-off as long as they are paid in full, not settled, and not with them.

What do you guys think?

Re: I need your help guys

Anonymous — Fri, 30 Mar 2012 02:55:41 GMT

Not sure if it is still available, but the citi diamond preferred had 0% on purchases and balances transfers for 18 months.

I think both of those cards are similar as far as requirements go, but I could be wrong.

Citi can give some nice starting credit lines, but the rewards are not great if you are after that sort of thing.

Re: I need your help guys

Anonymous — Fri, 30 Mar 2012 02:58:45 GMT

Im mainly attracted to the zero percent offer for 12 months. Plus, if this card is approved, it will replace my stgnated capital one cards. lol

Re: I need your help guys

Anonymous — Fri, 30 Mar 2012 03:06:16 GMT

Yeah know those Cap one cards myself. Closed several last year that I had had for a long long time.

I get emails from them now asking me to come back and offering me the ventureOne. Of course they couldn't just product change me last year.. I told them I would love the card as long as it was issued based on soft pulls and my history with them. Yeah...that will happen.

Have to say that they were there for me way back when though when not many others wanted to be.

Re: I need your help guys

LS2982 — Fri, 30 Mar 2012 10:57:27 GMT

@Anonymous wrote:
Yeah know those Cap one cards myself. Closed several last year that I had had for a long long time.

I get emails from them now asking me to come back and offering me the ventureOne. Of course they couldn't just product change me last year.. I told them I would love the card as long as it was issued based on soft pulls and my history with them. Yeah...that will happen.

Have to say that they were there for me way back when though when not many others wanted to be.

I have no idea why they wont PC but offer it to you after you do AA on them.