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Question about citi-prequalification

Valued Member

Question about citi-prequalification

Hello Everyone, 


I have been filling citi pre-qualification for quite some time. I also tried all the citi retail card pre-qualifications like Wayfair, Home Depot etc. I never got an offer. It is weird that I have only 1 inquiry from the past 6 months and all the scores are above 740. I got suspicious and checked all my credit reports soft pulls, none of them shows that Citi did a soft pull.  Did anyone had this issue before? If yes, did you get a chance to talk to Citi and fix it? Any input or recommendations will be highly appreciated to fix this issue.. 



Message 1 of 6
Established Contributor

Re: Question about citi-prequalification

Do you have your reports frozen? If so, you might try unfreezing them and try again. I think your reports must be thawed for Citi to SP you (unless you're an existing customer) - but I could be wrong. I do that from time to time

AmEx Blue Cash Preferred - $20k | | AmEx Cash Magnet - $20k | | Apple Card - $29k | | BofA Customized Cash - $99.9k | | BofA Customized Cash - $25k | | BofA Unlimited Cash - $30k | | CapOne Quicksilver - $30k | | CapOne Savor One - $16.25k | | Chase Amazon - $26.7k | | Chase Freedom Unlimited - $24k | | Chase Freedom - $20k | | Chase Freedom Flex - $47k | | Citi Custom Cash - $19.9k | | Citi Rewards+ - $15.4k | | Discover It Cash Back - $18k | | Discover It Cash Back - $21.3k | |Discover It Travel - $14.5k | | Elan Max Cash Preferred- $15k | | PayPal Cashback Mastercard - $20k | | PenFed Platinum Rewards Visa Signature - $12.5k | | PenFed Power Cash - $12.5k | | Synchrony Discount Tire Card - $25k | | Wells Fargo Autograph - $25k
837 INQ:
836 INQ:
825 INQ:

TCL: $583.95k CCs:23 AAoA: 6yr 2mo Util: ~1% Derog: 0

Mortgage: $213.3k Car Loan 1: $22.1k Car Loan 2: $22.2k
Message 2 of 6
Valued Contributor

Re: Question about citi-prequalification

I have the Citi Double Cash and Custom Cash and I used to have the Premier.  I have never been prequalified but I've been instantly approved for what I have applied for.  I am only a sample size of 1 but it tells me their prequalify tool isn't that reliable.

Message 3 of 6
Valued Member

Re: Question about citi-prequalification

Thanks for sharing your experience @Cashbackjunky 

My reports are not frozen. 



Message 4 of 6
Frequent Contributor

Re: Question about citi-prequalification

I'd concur with @wingennis when I ran the prequal tool 7mo ago I had only 1 card barely over a year old, though I did have a boatload of Citi mailers (for other cards.)  Citi, WF, FNBO had no offers for me in prequal.  Amex andCap1 did.  I apped DC and while it went to manual for a few more days, I got the card, good SL (for the card) & APR (pre-fed-hikes). 


Can't say what approval odds are or aren't, but I can anecdotally confirm their prequal tool seems to be looking for "ideal" and lack of prequal doesn't mean you're not in approval standing. I think they're more of a "cold app" kind of bank.

Message 5 of 6
Valued Member

Re: Question about citi-prequalification

Thanks for sharing your views folks. I went ahead and applied for costco, bestbuy, Home Depot cards. All are approved!!!

Message 6 of 6
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