topic Citi Diamond Preferred Card (What "credit score" would get an approval on this card???) in Credit Cards

Citi Diamond Preferred Card (What "credit score" would get an approval on this card???)

Anonymous — Mon, 21 Apr 2008 18:32:04 GMT

I got a Citi Diamond Preferred Card mailed inviation to apply in the mail last week and I really want to apply, however I don't want the "inquiry" on my credit report unless I get the card...........does anyone know what Credit Score is need to get an approval for this card???

Thank you for any advice! =)

Re: Citi Diamond Preferred Card "credit score" for approval

athensguy — Mon, 21 Apr 2008 18:34:57 GMT

I'd want to wait to apply until I had about 675+ on TU or EQ with low util.

Re: Citi Diamond Preferred Card (What "credit score" would get an approval on this card?

unknown_entity — Mon, 21 Apr 2008 18:35:39 GMT

Nothing is written in stone, but I would estimate 630+.

Re: Citi Diamond Preferred Card (What "credit score" would get an approval on this card?)

Anonymous — Mon, 21 Apr 2008 18:36:49 GMT

I think they consider more than Credit Score. I was declined for this card because I have a paid chargeoff on my report.

I just approved for the Diamond Preferred Rewards MasterC...

Anonymous — Mon, 21 Apr 2008 18:37:34 GMT

I just approved for the Diamond Preferred Rewards MasterCard a few weeks ago. I would assume it is similar in requirements.

My scores are listed below. They pulled EQ in my case.

I do have to say that I'm not overly impressed with the card so far.

Citi Diamond Preferred Card (What "credit score" would get an approval on this card???)

Anonymous — Mon, 21 Apr 2008 18:42:52 GMT

Thank you for the very quick advise!!!

My EQ score is 637 right now..........it should go up a few points (10-30) within the next month as I have lowered my UTI but I wanted to check.

I do have some charges off that have yet to come off my credit report (with within the next two years) so that would probably hurt me.

Also, my TU score isn't as good as EQ as I have to school loans that were a payment after charge off (so they say) and were supposed to be removed from all three of the Credit Bureau's but was only removed from EQ.........so my score with is around 600! =(

Mainly, I am just trying to get my credit better so I can finally get a good credit card (low interest, higher then 1K limit)! I am sure it will happne one day............

Re: Citi Diamond Preferred Card (What "credit score" would get an approval on this card?

unknown_entity — Mon, 21 Apr 2008 18:44:21 GMT

They pull EQ almost exclusively. I got the Citi Platinum Select M/C when my score was around 620 with virtually no credit history. Started at 500 limit. Citi hates inquiries, lates, high util and BK. So if you are clean in those departments you should be good to go.

Re: Citi Diamond Preferred Card (What "credit score" would get an approval on this card?

Anonymous — Mon, 21 Apr 2008 19:08:32 GMT

I was around 640 and got a $2,400 CL. Zero balance transfer.

Citi Diamond Preferred Card (What "credit score" would get an approval on this card???)

Anonymous — Mon, 21 Apr 2008 19:10:53 GMT

Well my UTI is pretty hight right now............I am not over on any cards but it is still high so if they don't like that I won't do good right now with them! =(

I have several accounts (car loan & 2 short term loans - one paid off last year and one in good standing) already with Citi though does that account for anything with them???

Citi Diamond Preferred Card (What "credit score" would get an approval on this card???)

Anonymous — Mon, 21 Apr 2008 19:14:15 GMT

fogg30 wrote:
Well my UTI is pretty hight right now............I am not over on any cards but it is still high so if they don't like that I won't do good right now with them! =(

I have several accounts (car loan & 2 short term loans - one paid off last year and one in good standing) already with Citi though does that account for anything with them???

They just denied my CLI request because of High balance to limit on one or more cards.

Re: Citi Diamond Preferred Card (What "credit score"

Anonymous — Mon, 21 Apr 2008 20:34:31 GMT

@Anonymous wrote:
I got a Citi Diamond Preferred Card mailed inviation to apply in the mail last week and I really want to apply, however I don't want the "inquiry" on my credit report unless I get the card...........does anyone know what Credit Score is need to get an approval for this card???
Thank you for any advice! =)

fogg, I applied for the Diamond Preferred card from a pre-ap I received in the mail around March 1 or 2. They pulled TU on me with a FICO score of 662. The only thing in my file were a bunch of 30 day lates all over 1 year old, and a couple of thing in P.R. over 10 years old.

They approved me with a $7,500 opening cl. 0% interest on purchases for 90 days. It's a great card. I love it.

Re: Citi Diamond Preferred Card (What "credit score"

johnpalley — Thu, 04 Sep 2008 21:20:56 GMT

does anyone know of a way to apply for citybank that would guarentee they would only pull equifax? my equifax is 672 and my transunion is 550. isnt that crazy? i want to apply only if i know they would only pull equifax.

Re: Citi Diamond Preferred Card (What "credit score"

jbh — Thu, 04 Sep 2008 22:33:43 GMT

Citi seems to be regional, so it's not a sure thing. I would check a 'credit pull database' and search under your state (city).

That said, if EQ is strong, focus on credit unions. Alliant is said to be lenient. Search them and see what I mean.

Re: Citi Diamond Preferred Card (What "credit score"

johnpalley — Thu, 04 Sep 2008 23:10:13 GMT

what is a credit pull database and where can i search it? just so you all know im in massachusetts. jbh, i heard credit unions ask for tax returns thats why i didnt want to apply there.

Message Edited by johnpalley on 09-04-2008 04:10 PM

Re: Citi Diamond Preferred Card (What "credit score"

jbh — Fri, 05 Sep 2008 00:03:07 GMT

PM me and I can give you the link (or just type that in google. I do not want to type a url here and potentially violate a rule)

You'll get an idea of what that state pulls. It might vary from NYS (experian/TU heavy state)

Re: Citi Diamond Preferred Card (What "credit score"

johnpalley — Fri, 05 Sep 2008 00:42:12 GMT

i just clicked on your name and theres no link for pm's. people post links on this forum all the time, i wouldnt worry about it. im pretty sure its not against the rules

Message Edited by johnpalley on 09-04-2008 05:42 PM

Re: Citi Diamond Preferred Card (What "credit score"

haulingthescoreup — Fri, 05 Sep 2008 00:46:47 GMT

Whenever you want to send someone a pm, click on their name, and when their page pops up, look over on the right near the top, and click "Send this user a private message." (It has an underline made of dashes, so to speak.)

Also, you can always click the envelope at the top right of your screen, click "send a new message", and type the other user's name in the "send to" box. Make sure that you spell it exactly right, although it's not case-sensitive.

Re: Citi Diamond Preferred Card (What "credit score"

johnpalley — Fri, 05 Sep 2008 01:23:32 GMT

haulingthescoreup , thanks

Re: Citi Diamond Preferred Card (What "credit score"

Anonymous — Wed, 05 Sep 2012 20:15:13 GMT

I am willing to bet that is something from the state or federal gov since they seem to report just to transunion. Try paying your stuff off. all 3 of mine are showing 765. I recently paid all my balances down to 0 but have never had any late things ever. Paid off a car recently and bought another as well. I still got the below message with 0 credit card balances. Only American Express platinum has statement balance for 18k which was due 9/8 but already paid. Kinda funny how amex offers black and citi says further review to get a card.

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. Thank you for requesting a Citi® Diamond Preferred® Card.