Advise with Citi Diamond Prefferred and Citi Simplicity Pleasee!

[KSK1912]

I have been rebuilding since last year june and went from 500 fico across the board to 700's.  When i started, i only had the WF secured card with $500 limit reporting and right now i am at almost $60K unsecured overall. No baddies, oldest account is 18 months Wells Fargo secured card $2500 limit.

I have been checking citi pre approval site for a very long time and never had a hit, always no match. Early this week, i received a letter from citi that says pre selected to apply for their Citi Diamond Preferred card with 0 apr for 12 months and 21.24% after that with NO AF.  So i decided to check their website for pre qualification, and when i put my info, it showed
     
Citi Simpliciti with these terms:

• Enjoy 0% Intro APR on purchases and balance transfers for 21 months; after that, the variable APR will be 18.24%.1
  
  So the online offer i am getting is better than the mail in offer, both the APR and the no interest term. I do not have any citi cards at the moment, but i do have a 6 months old Macy's card with $2K limit that i use and pay, which is backed by citi. So i wonder if this could have anything to do with the offers.
  On both the online offer and the mail offer has one single APR instead of 11% - 24%
  What i would like to know is, how solid you think these offers are,
  which one of these 2 cards is easier to get approved for
  and finally which one of these cards tend to give better SL.
  
  To give you an idea of my cards and limits, Barclays Rewards MC $1500 - Apple Rewards $2K - Cap One secured $3K - AmEx BCE $1000 -  WF Dillard's Amex $4700
  
  
  Thanks for all the advise in advance.

[JSS3]

Citi prequals have been solid for me.

If your reports haven't changed drastically with lots of new accounts/inqs, I say go for it.

[JSS3]

I think they're both equal. I don't know that one would give a better starting limit due to the card type. Citi gives better limits with each card, I feel(with the exception of Double Cash and as long as you're not near maximum exposure).

My experience.

[KSK1912]

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@JSS3 wrote:
I think they're both equal. I don't know that one would give a better starting limit due to the card type. Citi gives better limits with each card, I feel(with the exception of Double Cash and as long as you're not near maximum exposure).

My experience.

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Thanks,,

i think it would be smartter to go with the online offer rather than the mail in offer since it has a lowe apr overall and a much longer 0 apr term.

Do you know if you can do 2 apps with one hard pull like barclays and cap one, if you do them one after the other?

[JSS3]

Yes go with the better offer(online).

I do not know about a back to back app with Citi. Sorry.

[Anonymous]

I also got the 2 pre approvals recently in the mail. I logged in and got the diamond preferred with a 3k SL and they pulled TU and EX. I had a 620 on TU and 650 on ex. I then applied for the other preapproval and was denied lol. I'm using my diamond for the 0% balance transfer for 18 mos. Plus I didnt have a black credit card yet

[Anonymous]

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@KSK1912 wrote:

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@JSS3 wrote:
I think they're both equal. I don't know that one would give a better starting limit due to the card type. Citi gives better limits with each card, I feel(with the exception of Double Cash and as long as you're not near maximum exposure).

My experience.

---

Thanks,,

i think it would be smartter to go with the online offer rather than the mail in offer since it has a lowe apr overall and a much longer 0 apr term.

Do you know if you can do 2 apps with one hard pull like barclays and cap one, if you do them one after the other?

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I applied for 2 of their cards through their pre approval letters i got in mail, and did online the same night. I got 3 pulls 1 TU and 2 EX.

[KSK1912]

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@Anonymous wrote:

I also got the 2 pre approvals recently in the mail. I logged in and got the diamond preferred with a 3k SL and they pulled TU and EX. I had a 620 on TU and 650 on ex. I then applied for the other preapproval and was denied lol. I'm using my diamond for the 0% balance transfer for 18 mos. Plus I didnt have a black credit card yet

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how was your utilization at the time?

[Anonymous]

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@KSK1912 wrote:

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@Anonymous wrote:

I also got the 2 pre approvals recently in the mail. I logged in and got the diamond preferred with a 3k SL and they pulled TU and EX. I had a 620 on TU and 650 on ex. I then applied for the other preapproval and was denied lol. I'm using my diamond for the 0% balance transfer for 18 mos. Plus I didnt have a black credit card yet

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how was your utilization at the time?

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I had high utilization still paying down all the xmas spending. So was at about 55% util

[GalaxyStars]

If anything they both are very similar.
I have a Citi Diamon Prefferred, no trills, probably would be a great balance transfer card, but I pif every month so no need for that.

I would take the card with the best terms.
Citi Diamond is a pretty card, that's one thing that sticks out.