Citi Diamond Prefered Pre-Selected Concerns

[razorback82]

Hello Everyone,

Citi has been wearing my mail box out with "pre-selected" offers. The first 12 months is 0% then 20.99% on almost all of them.

My concerns are.

1. I had a sears card in 2004 that was charged off? Are they forgiving

2. What report do they pull?

3. Are they decent with starting limits?

4. Are these offers just marketing

After alot of mixed reviews from searching the boards, I figured I'd ask.

I have come leaps and bounds since finding this group and any insight is appreciated.

[razorback82]

For me the main question is are they forgiving?

I don't need this card at the moment, but if I need it later I would like to know the odds.

Thanks

[Anonymous]

I've never had any credit from them directly, but I had a Washington Mutual Visa that went to collections in 2004, and I eventually paid in full in 2011. Chase bought WAMU's debt back whenever WAMU failed, and when I applied for a Chase AARP Visa they declined me because of that WAMU -> collections account.

However, the 2nd phone guy said after he can see 3+ months of responsible use of my new cards (app spree'd in July 2015) he will be happy to get me set up with an AARP Visa.

Hope that helps your decision!

[razorback82]

Thanks yes that's very helpful.. I knew they would still be able to see that old account. I think I will just pass and leave pandoras box alone on this one.

Thanks again.

[Anonymous]

I had a charged off Sears card in 2005. As well as Zales and Exxon Mobil. I was sent a pre selected Double cash in July. I apped and was approved for 1200. So yes they are forgiving.

[Skye12329]

You ask if their forgiving? Based on other responses I think the answer is they are if you didn't burn them on their main cards. Like their store cards it would seem they might be more forgiving.

As for starting limits personally o don't think Citi is that great when it comes to starting limits without asking for a CLI.

As for report its kinda a crap shoot but I think its more Equifax.

[Anonymous]

Hey, I can't answer the question about whether or not they're forgiving, but I had been trying to get a foot in the door with Citi ever since I opened a checking account with them in 2009. Apps were always declined, even though I was receiving offers in the mail; last denial was in 2013, and then I basically gave up until this year. I checked the Home Depot prequal site, and found that I actually pre qualified. Since the home depot card is powered by Citi, this gave me some hope. I applied for the diamond preferred and was approved with a SL of $5300. For me, Citi pulled both EQ and EX. People have said that you can request a CLI online upon activation, which results in a hard EQ pull. I haven't tried this yet. I am also waiting on my new Double Cash card to arrive, and I am going to see if I can request CLI's with one EQ pull. Anyone have any experience with requesting CLI's upon activating two new cards?

[kerinmiami]

---

@razorback82 wrote:

Hello Everyone,

Citi has been wearing my mail box out with "pre-selected" offers. The first 12 months is 0% then 20.99% on almost all of them.

My concerns are.

1. I had a sears card in 2004 that was charged off? Are they forgiving

2. What report do they pull?

3. Are they decent with starting limits?

4. Are these offers just marketing

After alot of mixed reviews from searching the boards, I figured I'd ask.

I have come leaps and bounds since finding this group and any insight is appreciated.

---

PLEASE DO NOT DO IT!! YES I RECEIVED TWO OF THEM.

I got denied!! excellent credit here. they pulled TU and EX, but for my Simp Card in June they only pulled EX and approved with 5.3k. They are saying my score is 598 on FICO 8 of 850at TU and that I have a past due mortage that is not even there on TU.  I am 740 over at TU always. I have no adverse accounts on any credit report.

I recon, they pulled my credit again!! I never been recon with another hard pull.

PLEASE DONT DO IT. did you have reference number also? I did, I thought it was tailored made for since I had a card already.

PLEASE DONT APPLY FOR THIS CARD!!!

[Anonymous]

I recently apped for the Citi Diamond Preferred (8/28/16) and Citi Hilton Hhnonors Reserve (9/9/16) and was approved for both. 

SL were reasonable to me since I did not have a major bank card after being disharged BK13 in the Spring of 2014. I only had a Bose (4K) and Kays (6k) when i apped for the so I was ok with SL of $9800 21 months no interest. Hilton Reserve SL was $15k @ 15.49 APR. They pulled from Experian both times. Prior to apping with Citi, I had on inquiries for EX, 9 for EQ, and 0 for TU. I have no negative info on my reports. Credit Karma had me at TU 795 and 772 EQ.  My Discover had had me at 774 EX. I am new to apping so I am not sure how accurate my Discover and Credit Karma are. It is all a mystery since PenFed FICO said 841 on a 950 score. Go figure.

[Anonymous]

If it has an interest rate its about  a guarenteed approval. I received the mailer 2 weeks ago. They pulled EQ and I was approved with a SL of $11,600. My highest SL ever. I was just happy to be in with Citi.