My first Citi DC mailer

[MyLoFICO]

So today I checked the mail and I got a mailer from Citi for the DC card. The % spread is max 13.24-23.24. Has an invitation code and all. Obviously I won't be app'ing it. It says they pull FICO Bankcard 8 from EQF and I have no clue what that might be. But, this is the first time I have ever got anything from them so it has my interest. It doesn't say pre-approval or pre-qualified. I went online and put in my invite # and it goes to the page that has all my info. But I did not app. I confess I have wanted this card for awhile. 

So what am I to make of this offer? I went on their prequalifier and nothing pops but my mom showed nothing for them or Discover, she got mailers and got approved for both. 

[Anonymous]

The mailer is just marketing that they send out to thousands of people.  The invitation code means nothing as it's just a gimmick to get you to apply.  In no way is it a preapproval or any indication that you're prequalified.  The APR would be set at a specific rate if it were.

[MyLoFICO]

I knew it. Citi hates me AND they are cruel. 

lol. J/K. In the trash it goes. I figured that was the case but it would be my luck after the trash man picks it up everyone would be posting approvals from their invites. And I would be like...wth? 

[Meanmchine]

I received the mailer for like 6 months and when i was in a funk about being denied for Overstock, I finally apped for this card. Denied.  Double funk.  The ironic twist came the very next day when i got a letter from Synch tellingt me my Paypal account was being promoted to their MC.  ( additionally I still get the letter from Citi every month asking me to reapply lol )

[redpat]

I got DC and Simplicity in the mail and stated pre-selected with fixed apr 16.24%.  If it is a fixed rate chances of approvals are better IMO.

[RonM21]

If EFX is one of the ones they pull, once you get that score up a bit more, you should be fine.

[MyLoFICO]

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@RM21 wrote:
If EFX is one of the ones they pull, once you get that score up a bit more, you should be fine.

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Yep. I have way too many Inq's too. So as they fall off and I have 1 last baddie coming off in January, they I should be good. Hopefully. lol