2 Citi Pre-Qual Questions

[Anonymous]

Hey All,

Question: I recieved a pre-selection offer in the mail from Citi for their Simplicity card yesterday which quoted a rate of 15.99%.  Out of curiosity I went on their site just not to see if I prequalified for anything and the Premier was suggested with additional offers including the Simplicity card but the rates were in the 20% area.  Any reason for the disparity?  Not interested in any of these but I am interested in which is more accurate.

Also, I never seem to have cobranded cards recomended with any of the pre-qual sites (Citi, Amex, BOA).  Any reason for this?  If I were to get a Citi card it would be one of the AA's and I am a little gun shy without the prequlaification test.

Thank you all in advance, you guys are the best!

NKB

[Anonymous]

That happened to me recently with Chase not citi. Preqal said 20%, online said 23% but when I applied I got it for 21% for some weird reason. I would just assume they aren't solid apr's until you actually get approved. Could be wrong though with citi. That's just how chase did it.

[Anonymous]

That is too funny, just take the average!

[Anonymous]

Hi NKB,

I have received several mailers from Citi in the past.  The quoted APR was lower than any online prequalification, but not by much (approximately .5 APR from what I recall.)  The quoted range on the APR, I think, is very solid - provided there are no significant changes in income, utilization, baddies, etc. on your file when you apply.  They do double-pull (EQ and EX for me) for new apps.

If they've solicited you for the Simplicity card, I'd say wait for more offers/cards to come by.  They soft-pulled your credit recently and liked what they saw.  They'll keep coming after you until you cave in  And the offers will get sweeter! I did get an AA SUB offer for 60K miles and snapped that one up when at the time I think the online offer was 30K? The APR on the mailer was spot on.

Just be patient (because all of us on the forum usually are!  ) and you may get an AAdvantage mailer soon.  Good luck!

[Anonymous]

If you got pre-qualifiers from CITI you should be good to go. I dont' believe you will ever see a AA prequalifcation on their pre-qualify tool.  Just a note I have never shown a prequalify in my life on the CITI page.  And I was instantly approved for AA and Thank You Premier.  

[Anonymous]

Thanks guys,

I have six AA flights over the next two weeks so if they have a SUB kicker on the flight I may pull the trigger.  If not I will probably apply before booking my July travel.  This site is the best.

NKB