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Citi Diamond Preferred - 5.6k instant approval

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Established Contributor

Citi Diamond Preferred - 5.6k instant approval

DW received two pre-selected mailers from Citi. We forgot about the first one, but the day she received the 2nd one she applied. 5.6k SL, 12 mo 0% BT and purchases.The cards arrived on Saturday. 

 

She added me as an AU, and I need the buffer with the balances I'm carrying right now. DW did a small BT to zero balance her 10k Marvel account. Helps a bit since we're going to PIF the the balance over 3 months. Now it's interest free thanks to CDP.

 

 


3B profile optimization in progress...
10 REPLIES 10
New Member

Re: Citi Diamond Preferred - 5.6k instant approval

Congratulations to DW, and to you, also.  This is my first posting, so I hope I get this in correctly.  Some times, the abbreviations as well as the credit jargon is hard to grasp.  I review the abbreviations list, but phrasing is still hit or miss with me.  What did you mean by needing the buffer?  Thanks in advance for moving my understanding forward.  Congratulations, again.

Message 2 of 11
Valued Contributor

Re: Citi Diamond Preferred - 5.6k instant approval


@_NERD wrote:

DW received two pre-selected mailers from Citi. We forgot about the first one, but the day she received the 2nd one she applied. 5.6k SL, 12 mo 0% BT and purchases.The cards arrived on Saturday. 

 

She added me as an AU, and I need the buffer with the balances I'm carrying right now. DW did a small BT to zero balance her 10k Marvel account. Helps a bit since we're going to PIF the the balance over 3 months. Now it's interest free thanks to CDP.

 

 


Congratulations to you!...Thanks for sharing.Smiley Very Happy

Smiley Happy (BANK OF AMERiCA CA$H REWARD$ ViSA SiGNATURE) (CHASE AMAZON ViSA SiGNATURE) (CAPiTAL ONE QUiCKSiLVER ViSA SiGNATURE) (CiTi DOUBLE CA$H WORLD MASTERCARD) (BARCLAYCARD UPROMiSE WORLD MASTERCARD) (SYNCHRONY MARVEL MASTERCARD) (AMERiCAN EXPRESS BLUE CA$H EVERYDAY) (DiSCOVER iT NHL)
Message 3 of 11
Super Contributor

Re: Citi Diamond Preferred - 5.6k instant approval

Congrats. Buffer lowers utilization, which increases fico. Smiley Wink
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Message 4 of 11
Valued Contributor

Re: Citi Diamond Preferred - 5.6k instant approval

Congrats to you !!!

Fico 8's TU 777/ EQ 784/ EX 767 - 2/2019// AAoA 4.3 years // Lines 2/2019= 510k Personal - Business 52k // Inquiries 8 TU -10 Exp - 10 Eq.
Message 5 of 11
Established Contributor

Re: Citi Diamond Preferred - 5.6k instant approval

Thank you all. As a data point, Citi did a HP on EX and EQ for application. When we hit the luv button and got an instant CLI approval to 10k yesterday, the HP was EQ. This information was pulled from her myFICO 3B Ultimate account. Our 3B alerts update daily and throughout the day, so I'll know by the end of today if there were any other HPs done just for the CLI.

3B profile optimization in progress...
Message 6 of 11
Frequent Contributor

Re: Citi Diamond Preferred - 5.6k instant approval

Congrats !
Message 7 of 11
New Member

Re: Citi Diamond Preferred - 5.6k instant approval

Imperfectfuture,

 

Thank you for the clarification.  That helps me alot.  Congratulations again.  I also need to post about my recent success.  Maybe tonight, I'll share.

Message 8 of 11
Senior Contributor

Re: Citi Diamond Preferred - 5.6k instant approval

Very nice, congrats 

Message 9 of 11
Established Contributor

Re: Citi Diamond Preferred - 5.6k instant approval

Congrats.
Message 10 of 11
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