Citi Diamond Preferred

[Anonymous]

You don't have a Citi card?

[Anonymous]

Chase doesn't like consumers having Citi cards?

I got turned down this past summer by Chase cause I only have a 2 year credit history even though they sent me a Chase business invitation.

How many years do I have to wait?

[Anonymous]

Why do you want this specific card? Is this to just scratch an itch or do you have a balance transfer that you'd like to do? The Diamond is pretty much only helpful for 0apr on purchases and balance transfers for whatever window they give you.

I get plenty of mailers, but take more stock in preapproval sites or in branch preapprovals. If I recall from earlier this year, your age of accounts is relatively new. I'd definitely take a bit of time to take stock in what you actually want your cards to do for you and then make sure you at least have 6 months of app free time before you consider applying once you decide on what you want.

[Anonymous]

Reasons I was considering this card were as below and not in any specific order.

1. It's a top tier card
2. I only want to have ongoing debt on one card, I have two cards with medium to high debt (for me anyway) will be paying off my Discover card (and one small AMX card) in February as it only has about $350 owed on it and 0% APR expires in March so doing a BT would help me.
3. I should get a boost in my FICO score after I do a BT and pay off those 2 high debt cards.
4. This Citi card has 0% APR for 18 months

[Anonymous]

Personally, I think it's okay to have more than one BT card laying around. They can be very handy in a tight spot. And I think the Citi DP is a very nice BT card, especially if you can get the better 21 month 0% offer! That said, the chances of getting a SL high enough to be of any benefit is remote. At least based on you current line up. Citi isn't known for being generous, or for being the the first to give the highest CL. 

Are you saying that your $3800 in credit card debt is spread across the cards in your sig?

because if so, it would seem that your util is going to be rather high. Something that's likely to come into play on your app.

How old is the Amex Blue Cash? If it's still within 3 months, i believe you can BT to it for the remaining 0% APR.

Once you pay off Discover, you will have the option to BT to it again for another 12 months of 0%. At least in my case there is alwasy an offer avilable. Though your low CL would help much without affecting utilization.

[Anonymous]

My AMX Blue Everyday balance is low and will be paying that off in February along with my Discover card. Capital One and NFCU both have zero balances, that leaves AMX Blue Business Cash Card (0 % APR till August 2020) & U.S. Bank "Harley Davidson Card" (0 % APR till Sept 2020) that would leave me with $3,645 in debt between those two cards, mostly the AMX business card just over $2400 on that one.

My utilization is currently at 14% and my FICO is 735 and my Vantage 3.0 score is 738

[Anonymous]

If it were me, i'd have put it all on the Blue BIZ Cash because it doesn't report to personal credit. Thus reducing your utilization even more. 

And you'd only be at 50% on that one, which isn't too bad as long as you're paying it down quickly. More than the minimums.

Then while that debt is riding it out, AZEO your other cards "personal" cards. This would give you the optimum score for any future CC apps.

[Anonymous]

AZEO? I do not have 0% APR on the Blue Business card, it's like 24% APR now

[Anonymous]

Did you really refer to Citi Diamond Preferred as a "low-tiered" credit card 😂😂 someone told you wrong.