topic Re: Citi ThankYou Preferred - APPROVED in Credit Cards

Citi ThankYou Preferred - APPROVED

Anonymous — Thu, 02 Aug 2012 05:59:02 GMT

WOW. Is all I have to say at the moment. I have acquired another one of my "dream" cards, the Citi ThankYou Preferred. I think its safe to say that I am done apping....for the next decade. Well many one more later on down the road.

Approval Details:

Limit: $2,200

APR: 22.99% Same as My Freedom, but will PIF. I'm sure it will go down significantly over time.

Re: Citi ThankYou Preferred - APPROVED

creditnocash — Thu, 02 Aug 2012 06:20:42 GMT

congrats. enjoy. and build those aaoa up.

i calculated with my new cards my aaoa dropped from 1.5 years to 7.8 months. but in a year ill be glad =)

Re: Citi ThankYou Preferred - APPROVED

Anonymous — Thu, 02 Aug 2012 06:21:38 GMT

Oh, my AAoa is only a few months at this point, I have gotten 4 cards within a month. So yeah. Garden: HERE I COME!

Re: Citi ThankYou Preferred - APPROVED

Anonymous — Thu, 02 Aug 2012 12:43:15 GMT

Congrats! Citi Thank You will definitely grow with you. SP CLI every 6 months usually (if you accept their counter offer).

Re: Citi ThankYou Preferred - APPROVED

Anonymous — Wed, 08 Aug 2012 22:13:38 GMT

So I received the card today....but I am a little surprised to see that it is just a standard "thankyou" card, not a "Preferred thankyou" card....

This is kind of frustrating..

Re: Citi ThankYou Preferred - APPROVED

trumpet-205 — Wed, 08 Aug 2012 22:21:24 GMT

@Anonymous wrote:
So I received the card today....but I am a little surprised to see that it is just a standard "thankyou" card, not a "Preferred thankyou" card....

This is kind of frustrating..

It is the same thing with Walmart Discover and US Bank Cash+. If you are not qualified Citi will consider you for regular ThankYou card instead.

I have to ask though, why TYP in the first place? Both TY and TYP are you basic 1% return (assuming you redeem it for GC) CCs, nothing stands out about them.

Re: Citi ThankYou Preferred - APPROVED

Anonymous — Wed, 08 Aug 2012 22:26:36 GMT

@trumpet-205 wrote:
@Anonymous wrote:
So I received the card today....but I am a little surprised to see that it is just a standard "thankyou" card, not a "Preferred thankyou" card....

This is kind of frustrating..
It is the same thing with Walmart Discover and US Bank Cash+. If you are not qualified Citi will consider you for regular ThankYou card instead.

I have to ask though, why TYP in the first place? Both TY and TYP are you basic 1% return (assuming you redeem it for GC) CCs, nothing stands out about them.

Yes, you are correct, and both don't carry an AF and have the same APR, but the Preferred has the sign up bonus of spending $X,XXX in a certain amount of time and receiving I think 15,000 bonus boints. Its wierd though, if you don't qualify for it, why would they just give you the base card? They both have the exact same APR range...12.99-22.99%

Re: Citi ThankYou Preferred - APPROVED

Anonymous — Wed, 08 Aug 2012 22:32:31 GMT

In fact, the base thankyou card actually has an intro APR of 0% for the first 15 months, on both purchases as well as BT's. Anyway I sent them a secure message....hopefully that can convert it. If not, Its not the end of the world.

Re: Citi ThankYou Preferred - APPROVED

trumpet-205 — Wed, 08 Aug 2012 22:32:51 GMT

APR is not everything. The difference between regular and Preferred is sign up bonus and Preferred is NPSL.

Re: Citi ThankYou Preferred - APPROVED

Anonymous — Wed, 08 Aug 2012 22:37:05 GMT

Oh! I see, I just read the terms and it clarified it in there. Oh well, I know Citi is definitely far from Capital One, and will definitely move up with me in terms of CL, and terms. Do you know how they are as far as granting CLI's?

Re: Citi ThankYou Preferred - APPROVED

trumpet-205 — Wed, 08 Aug 2012 23:08:00 GMT

@Anonymous wrote:
Oh! I see, I just read the terms and it clarified it in there. Oh well, I know Citi is definitely far from Capital One, and will definitely move up with me in terms of CL, and terms. Do you know how they are as far as granting CLI's?

Citi will counter your CLI if you do it online and asked too much.

Re: Citi ThankYou Preferred - APPROVED

UFGuy2006 — Thu, 09 Aug 2012 01:49:31 GMT

@Anonymous wrote:
So I received the card today....but I am a little surprised to see that it is just a standard "thankyou" card, not a "Preferred thankyou" card....

This is kind of frustrating..

This happened to me as well. HOWEVER... nice thing is since I applied for the TY Preferred I did recieve that sign on bonus (and confirmed this would be the case with the CSR). Oddly enough after one month my apr went from 18.99 to 12.99 and then a month later I received an online notification a new card was mailed out. Turns out its the Preferred card that is replacing my regular TY card.

Re: Citi ThankYou Preferred - APPROVED

Anonymous — Thu, 09 Aug 2012 03:41:48 GMT

I got denied 2 months back but got approved with discover

Re: Citi ThankYou Preferred - APPROVED

Anonymous — Thu, 09 Aug 2012 04:38:02 GMT

Citibank Thank you card tiers are confusing say the least

Re: Citi ThankYou Preferred - APPROVED

Anonymous — Thu, 09 Aug 2012 04:44:01 GMT

@Pardeep wrote:
I got denied 2 months back but got approved with discover

Haha. I've been on a roll. After not apping since late January, I went all out last month. Getting Approved for, in order.

Chase Freedom
Paypal Extras Mastercard
Discover More
American Express Hilton Honors
Citi Thankyou
Bank Americard Priveleges Travel Rewards.