Citi DC Pre-Selected Offer

Anonymous · ‎08-13-2016

I received a pre-selected offer today in the mail from Citi for the Double Cash. I was planning on going to garden until Feburary 2017 but this was my next card on the top of my list. I have 5 hard pulls on Experian, and I'm not sure how many with the other credit bureaus but they are both less than 5. It comes down to the question: What woul you do? Which bureau does Citi pull from? A pre-selected offer from Citi worth a 90% chance of approval? I'm not planning on buying a home for at least two years so all the inquries would fall off anyways by then.

AverageJoesCredit · ‎08-13-2016

I believe they pulled Ex for me and only 5 inqs sounds good. I also got a preselected offer and surprisingly approved even with a bk7. I think if you like it and want it and believe your profile supports it go for it, you can still go to the garden, 6 months or so to tend your seedlings

Anonymous · ‎08-13-2016

They pulled ex for me.

Preselected is good.

I think if you really want the card go for it. Your inq shouldn't be an issue

Anonymous · ‎08-14-2016

Approved! First received a further processing message and response within 7 days online, then called today and verified basic information along with calling me back on the cell number; came back two minutes later and said Congratulations, you have been approved!

AverageJoesCredit · ‎08-14-2016

Way to go! You know sombody's gonna want the glorious details so might as well beat em to the punch

How much did they approve you for, if you dont mind

congrats again

Jerry45 · ‎08-14-2016

@Anonymous wrote:
I received a pre-selected offer today in the mail from Citi for the Double Cash. I was planning on going to garden until Feburary 2017 but this was my next card on the top of my list. I have 5 hard pulls on Experian, and I'm not sure how many with the other credit bureaus but they are both less than 5. It comes down to the question: What woul you do? Which bureau does Citi pull from? A pre-selected offer from Citi worth a 90% chance of approval? I'm not planning on buying a home for at least two years so all the inquries would fall off anyways by then.

Congrats! Wow only a single Pull by EX. Always thought CITI did a double pull. That is great

Anonymous · ‎08-14-2016

Yeah, man. Nothing to brag about. $1,500 SL. APR is 19% but that doesn't affect me because I always pay in full. 2% cash back is an upgrade over 1.5% so I'm happy to take it. Now tie me in the garden with a super strong chain for 3 years.

Anonymous · ‎08-14-2016

I'm not sure about EQ pull, I'll update when I see my credit report from annualcreditreport or through Citi login.

Anonymous · ‎08-15-2016

@Anonymous wrote:
Yeah, man. Nothing to brag about. $1,500 SL. APR is 19% but that doesn't affect me because I always pay in full. 2% cash back is an upgrade over 1.5% so I'm happy to take it. Now tie me in the garden with a super strong chain for 3 years.

The pulled EQ for me and started me out with $1500. In 6 months of good usage, you might hit the luv button for a SP CLI like I did and get a double up!