Citi pre-selected mailer?

[Anonymous]

I nearly had a heart attack going through today's mail and seeing a Citi mailer with the words "pre" in the window. But it says, "pre-selected." This is one of the cards/banks I was really hoping to get. I have a sneaking suspicion that pre-selected by Citi doesn't mean anything special?  Can anyone advise?

[Anonymous]

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@Anonymous wrote:

I nearly had a heart attack going through today's mail and seeing a Citi mailer with the words "pre" in the window. But it says, "pre-selected." This is one of the cards/banks I was really hoping to get. I have a sneaking suspicion that pre-selected by Citi doesn't mean anything special?  Can anyone advise?

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Look and see if they give you a specific APR.  If so its a good preapproval.  If they just give you a range, it's a marketing mailer

[Anonymous]

0% intro for 12 months, after that it says 19.99%.

For the Diamond Preferred.

This can't be real, right? They're pulling my leg. They have to be.

[Anonymous]

Pretty Solid. 

One of the higher APR but it is not the highest. Chances are they may have SP you. 

[Anonymous]

Whoa.

My INQ are pretty high, but my usage is nice and low. Should I go for it?

[Anonymous]

They pulled both EQ and EX for me as I have had not relationship with Citi before yesterday. Looking at your scores they might be borderline so if approved dont expect a massive limit. If you app just make sure to enter your prequal in. 

I had 10 EX inq in the past six months and 0 on my EQ. The Util on EX is 8% and EQ is 14%? They like what they saw when I made the recon call and gave me 16k on the AA Prestige. I Was originaly denied due to the inq over the past 6 months on EX. 

Just be ready to make that recon call and explain the inq if it gets denied. 

[Anonymous]

I kind of have a pre-existing relationship with Citi, but it's a store card. They manage the Children's Place card.

In the last six months, I have 6 inquiries on EQ and 5 on TU/EX. Prior to that, there are more from car shopping last Sept. 

I'm not preparing for anything big to purchase or refinance. I guess it wouldn't hurt to see what happens....?

[Anonymous]

Well if you app make sure you report Back!!! 

If you have a pre existing I believe they will pull EX however that is not always the case. I had the Best Buy RMC. But they still double pulled me. 

[Anonymous]

Oooh, looks like it was a soft pull and not a horrible SL. Not as low as my lowest, but definitely not anywhere close to my Venture.

Foot is now firmly in the door at Citi. Next year, I'll see about a PC if no other pre-approved offers come my way.

[Anonymous]

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@Anonymous wrote:
Oooh, looks like it was a soft pull and not a horrible SL. Not as low as my lowest, but definitely not anywhere close to my Venture.

Foot is now firmly in the door at Citi. Next year, I'll see about a PC if no other pre-approved offers come my way.

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CONGRATS!