topic Re: Holy mailers, Citi! in Credit Cards

Holy mailers, Citi!

LisaJ — Thu, 25 Apr 2013 22:21:06 GMT

So I came home today to FIFTEEN pre qualified to apply mailers from Citi.

The offers range from the Simplicity to the AA World MasterCard. I got 5 each for Thank You Preferred, Simplicity, and AA World.

I feel like Dumbledore is trying to tempt me out of the garden. It's a bit like that mail scene in the first HP movie!

They all have the same mailing date so I am guessing their system is glitchy.

So not that I'm itchy, BUT...are any of these worth adding to my profile? I have a 10k CSP, 7.5k Freedom, and assorted store cards that are all aging nicely. I recently got BCP for 11k, Barclay World for 7.5k, and Discover for 4k. I already have a Home Depot card backed by Citi for $7200. I have an Ink, too. I'm intrigued, though I don't really need it, and am not likely to app. I'm more worried about pushing my Barclay luck at this point, plus there is that Amex CLI in a couple of months. I also did NOT have any offers last I checked online, though that's a recent development. I don't have a lot of INQs, 1-3 on each. I could use the balance transfer for my Ink, so that's a thought.

Thoughts?!?

Re: Holy mailers, Citi!

myjourney — Thu, 25 Apr 2013 22:22:55 GMT

LisaJ step away from the mailbox Lol

Re: Holy mailers, Citi!

djc1puno — Thu, 25 Apr 2013 22:23:59 GMT

wow! that's a lot of mail! lol

Re: Holy mailers, Citi!

LS2982 — Thu, 25 Apr 2013 22:27:44 GMT

@LisaJ wrote:
So I came home today to FIFTEEN pre qualified to apply mailers from Citi.

The offers range from the Simplicity to the AA World MasterCard. I got 5 each for Thank You Preferred, Simplicity, and AA World.

I feel like Dumbledore is trying to tempt me out of the garden. It's a bit like that mail scene in the first HP movie!

They all have the same mailing date so I am guessing their system is glitchy.

So not that I'm itchy, BUT...are any of these worth adding to my profile? I have a 10k CSP, 7.5k Freedom, and assorted store cards that are all aging nicely. I recently got BCP for 11k, Barclay World for 7.5k, and Discover for 4k. I already have a Home Depot card backed by Citi for $7200. I have an Ink, too. I'm intrigued, though I don't really need it, and am not likely to app. I'm more worried about pushing my Barclay luck at this point, plus there is that Amex CLI in a couple of months. I also did NOT have any offers last I checked online, though that's a recent development. I don't have a lot of INQs, 1-3 on each. I could use the balance transfer for my Ink, so that's a thought.

Thoughts?!?

Would any of those cards benefit you?? If you have a goal in the garden I would stick to it if their isn't an offer worthy of stepping out (nice signing bonus).

Re: Holy mailers, Citi!

LisaJ — Thu, 25 Apr 2013 22:40:02 GMT

Oops. Myjourney...fix me a drink in the garden. While I'm super tempted, the risk of losing the Barclay or not getting a nice Amex CLI is keeping me pretty grounded.

No super awesome signing bonuses, though I thought @enharu found a good one for TYP?

Re: Holy mailers, Citi!

myjourney — Thu, 25 Apr 2013 22:45:45 GMT

@LisaJ wrote:
Oops. Myjourney...fix me a drink in the garden. While I'm super tempted, the risk of losing the Barclay or not getting a nice Amex CLI is keeping me pretty grounded.

@Anonymous super awesome signing bonuses, though I thought @Anonymous found a good one for TYP?

Good choice you have an amazing list of new accounts...Thought i might have to call out the team but you're ok i see.

When I get 2 in a day i'm happy so I understood

15 wow what a day

Re: Holy mailers, Citi!

Anonymous — Thu, 25 Apr 2013 23:21:36 GMT

You already have plenty of cards IMO and they're great, prime cards too.

Citi has recently been mailing the crap out of me with Simplicity and Discover also sends me a preapproval about once a week (on top of the nonstop Discover ads I receive on the internet). Leave me alone, I don't want your card lol

Re: Holy mailers, Citi!

LS2982 — Thu, 25 Apr 2013 23:26:31 GMT

@Anonymous wrote:
You already have plenty of cards IMO and they're great, prime cards too.

Citi has recently been mailing the crap out of me with Simplicity and Discover also sends me a preapproval about once a week (on top of the nonstop Discover ads I receive on the internet). Leave me alone, I don't want your card lol

You can opt-out if your not wanting pre approvals....

Re: Holy mailers, Citi!

LisaJ — Fri, 26 Apr 2013 01:19:02 GMT

Is it wrong that I love getting them? It was a mighty long time with just the crickets achirpin' in my mailbox!

But I'm happy with what I've got. I was happy enough with just my Freedom and then my CSP, so for me it's a perspective thing. I'm actually worried about how I'm going to remember to rotate all of them for use. Lol!

If I app for anything before 2014, it will be more Amex, and only because of the CLI potential and backdating--they backdated my card to 1994!

Re: Holy mailers, Citi!

LS2982 — Fri, 26 Apr 2013 01:21:47 GMT

@LisaJ wrote:
Is it wrong that I love getting them? It was a mighty long time with just the crickets achirpin' in my mailbox!

But I'm happy with what I've got. I was happy enough with just my Freedom and then my CSP, so for me it's a perspective thing. I'm actually worried about how I'm going to remember to rotate all of them for use. Lol!

If I app for anything before 2014, it will be more Amex, and only because of the CLI potential and backdating--they backdated my card to 1994!

Assign a recurring charge to each and autopay.

Re: Holy mailers, Citi!

myjourney — Fri, 26 Apr 2013 01:26:24 GMT

@LisaJ wrote:
Is it wrong that I love getting them? It was a mighty long time with just the crickets achirpin' in my mailbox!

But I'm happy with what I've got. I was happy enough with just my Freedom and then my CSP, so for me it's a perspective thing. I'm actually worried about how I'm going to remember to rotate all of them for use. Lol!

If I app for anything before 2014, it will be more Amex, and only because of the CLI potential and backdating--they backdated my card to 1994!

No its quite nice to feel wanted

Re: Holy mailers, Citi!

youngandcreditwrthy — Fri, 26 Apr 2013 03:12:29 GMT

Life is rough in the garden, lisaj!
Oh how I long to see "Congtatulations, you've been APPROVED" on my little iphone screen!!!!!

Bahhh, and my Amex CLI is keeping me grounded too. My BCE has the potential to trump my current highest line of $20k! Yes!!!!

Re: Holy mailers, Citi!

Anonymous — Fri, 26 Apr 2013 04:06:46 GMT

It is nice to be wanted. 😰

Re: Holy mailers, Citi!

Anonymous — Fri, 26 Apr 2013 15:38:03 GMT

Citi has been flooding my mailbox as well, but none of the offers are enticing. It's usally just the same 18 months 0% APR deal, without a special sign up bonus.

Re: Holy mailers, Citi!

Anonymous — Fri, 26 Apr 2013 16:55:30 GMT

I know how you feel, both my sister and I get almost daily mailings from citi "preselected" offers for all kinds of cards. They've been hammering me with simplicity. Chase finally stopped sending me weekly BT checks for my two cards!

Re: Holy mailers, Citi!

chan85 — Fri, 26 Apr 2013 17:03:17 GMT

I think CIti has me blacklisted from a screw up on a student card in college... Couldn't tell you when I got a offer from them last but I bet it was that card I messed up on....

Chase sends me a pre-selected offers once a week. I keep them stacked up and in case of an emergency need for credit, I have an offer on hand. The card types vary but Im pretty sure I saw a slate offer!

But I really don't think I am qualified for their cards at all. I think I am on the cusp of good/great credit because I occassionally get an offer for some low limit, high fee starter cards too.

Re: Holy mailers, Citi!

Anonymous — Fri, 26 Apr 2013 17:38:47 GMT

this month i finally started getting some offers from citi-i was declined twice last year for the forward. I got a couple mailers for some crappier than standard offer on the Diamond preferred-but checking online i now have offers for the TYP($75 bonus for $500/3 months) and the Plat Select/AAdvantage mastercard w/ 35K bonus ($1500/3 months)

Re: Holy mailers, Citi!

CS800 — Fri, 26 Apr 2013 18:45:41 GMT

@LS2982 wrote:
@Anonymous wrote:
You already have plenty of cards IMO and they're great, prime cards too.

Citi has recently been mailing the crap out of me with Simplicity and Discover also sends me a preapproval about once a week (on top of the nonstop Discover ads I receive on the internet). Leave me alone, I don't want your card lol
You can opt-out if your not wanting pre approvals....

I'm opted out but I still get the CITI pre-approved by mail 3 times a month.

Re: Holy mailers, Citi!

Anonymous — Sun, 28 Apr 2013 06:27:03 GMT

I always opt-out of information sharing (credit cards, bank accounts, too), and I've only ever gotten one mailer, a Discover, actually. Maybe Citi got your name from another bank?

Re: Holy mailers, Citi!

Revelate — Sun, 28 Apr 2013 06:51:48 GMT

Lisa: I wish I had your problem.

For me it's Amex spamming pre-qual mailers to three different people, none of whom live here and haven't in more than a decade if ever based on the prior tenant and me.

Not certain how they all wound up in my mailbox but it is both slightly amusing and irritating. Would be nice to get my own occasionally outside of Credit One and "insert deep subprime loan pusher name here" mailings.

Most recent was a line of credit which charged a 10% flat transaction fee, and then some interest rate on the balance on top of it.

Paying my summer session bill on that, $250 and interest, on BCP, wound up like $40 with the usual grace period. Go go high balance setting and CLI chasing!