How good is Citi prequals?

[hawkins]

Title says it all. Am curious for those that have or have had Citi cards how solid the prequel is.

[FinStar]

They tend to be fairly solid, but keep in mind that even prequalified offers are not 100% guaranteed.

All things considered, if your profile supports it and is on the optimal level, then you should have a decent chance.

[M_Smart007]

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@hawkins wrote:
Title says it all. Am curious for those that have or have had Citi cards how solid the prequel is.

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I have never pre-qual'd anything Citi, I have tried throughout the years.

I have just cold APP'ed

I now have about $35k in TL with them.

Just sharing My Experience, YEMV

[Anonymous]

pre-app/pre-qual are all the same.  Well, with some exceptions as of late.  I found BBVA/Regions to be the most informative ones that list out the terms of your potential application before submitting to the HP for approval.  

I cold apped pretty much everything in the past 2 years and they've been mostly approvals w/ exceptions like geo-fencing.

If you want a card and it fits your spend then go for it.  The PRE sites / links only really work when the bank you're testing against has you on a pre-bought list of qualifying factors they've screened from the CRA.  

[KLEXH25]

Citi prequals have been strange. For months, I tried and got nothing. Then a few weeks ago, I tried a few times and got different prequalified cards each time, depending on what I selected for "type of card" I wanted. Once I saw that the Citi Costco card showed up, I went for it and was approved for $8,500.

[Anonymous]

I had an pre qual invite for the Citi double cash card & a pre qual for the Citi Costco visa card. From what I have been reading on the forums... if they show you a set apr, then it's pretty much a solid deal. I entered my invite # for the double cash & got instantly approved for $500. Low SL , but it's something. Since I knew I pre qualified for the Costco visa... I applied at the Costco credit blitz they had going. Put my info in & instantly approved for $2k SL.
My FICO 8 scores as of now are: TU 680; Equ: 660; Exp: 679
Hope that helps 🤙🏼