topic Re: Citibank CC in Credit Cards

Citibank CC

2011beginnings — Fri, 22 Mar 2013 00:59:46 GMT

Is Citibank difficult to get a credit card with or easy?

I ask because for the past 2 months I've received pre-selected mailings to apply from every card they have (thank you, simplicity, diamond preferred, thank you preferred).

Re: Citibank CC

myjourney — Fri, 22 Mar 2013 01:02:48 GMT

@2011beginnings wrote:
Is Citibank difficult to get a credit card with or easy?

I ask because for the past 2 months I've received pre-selected mailings to apply from every card they have (thank you, simplicity, diamond preferred, thank you preferred).

Sounds like citi wants you bad

Re: Citibank CC

FinStar — Fri, 22 Mar 2013 01:13:39 GMT

@myjourney wrote:
@2011beginnings wrote:
Is Citibank difficult to get a credit card with or easy?

I ask because for the past 2 months I've received pre-selected mailings to apply from every card they have (thank you, simplicity, diamond preferred, thank you preferred).
Sounds like citi wants you bad

Looks like they have surrounded you with a bit of credit lust. Citi can be hit or miss sometimes.

However, if you have a fairly good income, decent credit profile/score, very few inquiries and no recent negative information then the only way to find out is when you apply. They are well known for generous credit lines from the get go. I currently have 3 of their cards, each with CL's around or above $10K. My most recent Citi product was their AAdvantage AMEX in Oct 2012 ($9.1K).

Re: Citibank CC

asteroidblues86 — Fri, 22 Mar 2013 01:15:14 GMT

You're going to need a clean report and minimal inquires to be approved.

Re: Citibank CC

2011beginnings — Fri, 22 Mar 2013 01:17:18 GMT

I'm looking at their website and I don't know which card I should app for. I like the 0% apr for 12-18 months but past that, I just don't know. A balance transfer would be nice but I'm not sure I would really utilize it since my highest balance is $400 and I'm paying that off in a week haha

Re: Citibank CC

2011beginnings — Fri, 22 Mar 2013 01:18:22 GMT

I have two inquiries, no baddies and my score is a 721

Re: Citibank CC

myjourney — Fri, 22 Mar 2013 01:18:41 GMT

w/o knowing your profile sounds like you need a rewards card IMO

Re: Citibank CC

2011beginnings — Fri, 22 Mar 2013 01:20:24 GMT

I have an Amex gold, BofA 123, chase CSP and chase CS. I do like rewards cards and cash back cards the most. I like my money to work for me.

Re: Citibank CC

09Lexie — Fri, 22 Mar 2013 01:22:12 GMT

My DD has been inundated with Citi mailers for the last 2 mos ( first Diamond Preferred now TY). Her credit scores are 699-730 but she's afraid to apply because of her recent inq's (2 new Cap 1 cards in Nov).

She's going to wait for her new cards to grow at least 6 mos.

Re: Citibank CC

LS2982 — Fri, 22 Mar 2013 01:24:10 GMT

@2011beginnings wrote:
Is Citibank difficult to get a credit card with or easy?

I ask because for the past 2 months I've received pre-selected mailings to apply from every card they have (thank you, simplicity, diamond preferred, thank you preferred).

They're not necessarily hard to get but you need to be clean of recent baddies and INQ's. Positive history for a year or so on current CC's helps alot also.

Re: Citibank CC

FinStar — Fri, 22 Mar 2013 01:27:32 GMT

@2011beginnings wrote:
I'm looking at their website and I don't know which card I should app for. I like the 0% apr for 12-18 months but past that, I just don't know. A balance transfer would be nice but I'm not sure I would really utilize it since my highest balance is $400 and I'm paying that off in a week haha

I think it's best to evaluate what your ultimate credit goals or needs are. Is this a want or need type of credit card?(i.e. primary usage card) Is the APR a determining factor (i.e. are you a PIF kind of individual or foresee to revolve on ocassion?) Are rewards or points important to you? Is an annual fee something you would be willing to entertain for the rewards?

So, given that they have a variety of cards, you can use their comparison feature to evaluate which is the most fitting product for your lifestyle.

Re: Citibank CC

2011beginnings — Fri, 22 Mar 2013 01:43:49 GMT

Well I definitely have no need for another card; the mailers just got me curious. I would prefer a lower APR card but I mostly PIF every month. I would like rewards like cash back or some that are redeemable for gift cards at places I shop or visit. I have an annual fee with my AMEX and CSP so I'm not interested in another.

Re: Citibank CC

navigatethis12 — Fri, 22 Mar 2013 01:44:16 GMT

I wouldn't say they are hard, just somewhat odd in approvals. I applied one and Equifax had maybe 10 inquries and they said too many inquiries and oldest account too young. I applied again, they pulled Experian with about 16 inquiries and only one month after the last time and approved for two cards. You do have to have at least one card reporting a balance to get approved, though.

Re: Citibank CC

youngandcreditwrthy — Fri, 22 Mar 2013 03:50:07 GMT

I think they are uber hard to get! Lol
Loving my CDP! 0% 18 mos!