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Citi Diamond Preferred SP CLI - Data Points

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UncleB
Credit Mentor

Re: Citi Diamond Preferred SP CLI - Data Points


@mystikal1 wrote:

Congrats Uncle B, hopefully my DP will get an increase like yours did.


Thanks so much, mystikal1!  Smiley Very Happy

 

Hang in there... if I can not only get approved but also get a CLI then there's hope for nearly everybody!  Smiley Wink

Message 11 of 27
Ysettle4
Valued Contributor

Re: Citi Diamond Preferred SP CLI - Data Points


@UncleB wrote:

@Ysettle4 wrote:

Congrats UB!! I get mailers for the card all the time and it seems to be a great BT card but nothing else? Good to see that it does grow


Thanks so much Ysettle4!  Smiley Very Happy

 

The Diamond Preferred does have a laundry list of benefits (many/most are 'standard' for all Citi cards, though) and I think there's a 'concierge' benefit, but honestly at a glance the only thing that stuck out as useful to me would be the price rewind (which again you can get on other Citi cards).  Perhaps ironically, since this card has no cash rewards I'm not likely to use it for purchases, which means I'm extremely unlikely to use the price rewind... LOL.

 

I got the card straight-up for the 21 months at 0%.  I chose it over the Simplicity since I've read the Diamond Preferred is easier (sometimes?) to PC to a Double Cash... the Simplicity also has extended 0% offers but since that's all I was really after anyway I went with one with the best 'rep' as far as being easy to PC goes.  Smiley Wink

 

Thanks again!  Smiley Very Happy

 

(Note:  if you decide to app for the Diamond Preferred be sure you get the 21 month/0% offer... the number of months can vary.  My mailed offers were for fewer months, so I applied online with an offer for the full 21 months.)  Smiley Wink


Great info and fortunately for me, all mailers had the 21 mos. offer recently. My irst two were 18 mos. offers. Even now, I'm starting to get 21 mos. 0% offers for simplicity and 10 mos. 0% for DC. All very tempting but I don't have a place nor need for those cards......at the moment that is.

769 INQs: 6774 INQs: 5764 INQs: 8UTIL: 2%AAoA: 5yr 8mosTotal Credit Line: $873,950
Message 12 of 27
BigBS
Senior Contributor

Re: Citi Diamond Preferred SP CLI - Data Points


@Ysettle4 wrote:

@UncleB wrote:

@Ysettle4 wrote:

Congrats UB!! I get mailers for the card all the time and it seems to be a great BT card but nothing else? Good to see that it does grow


Thanks so much Ysettle4!  Smiley Very Happy

 

The Diamond Preferred does have a laundry list of benefits (many/most are 'standard' for all Citi cards, though) and I think there's a 'concierge' benefit, but honestly at a glance the only thing that stuck out as useful to me would be the price rewind (which again you can get on other Citi cards).  Perhaps ironically, since this card has no cash rewards I'm not likely to use it for purchases, which means I'm extremely unlikely to use the price rewind... LOL.

 

I got the card straight-up for the 21 months at 0%.  I chose it over the Simplicity since I've read the Diamond Preferred is easier (sometimes?) to PC to a Double Cash... the Simplicity also has extended 0% offers but since that's all I was really after anyway I went with one with the best 'rep' as far as being easy to PC goes.  Smiley Wink

 

Thanks again!  Smiley Very Happy

 

(Note:  if you decide to app for the Diamond Preferred be sure you get the 21 month/0% offer... the number of months can vary.  My mailed offers were for fewer months, so I applied online with an offer for the full 21 months.)  Smiley Wink


Great info and fortunately for me, all mailers had the 21 mos. offer recently. My irst two were 18 mos. offers. Even now, I'm starting to get 21 mos. 0% offers for simplicity and 10 mos. 0% for DC. All very tempting but I don't have a place nor need for those cards......at the moment that is.


I'm in the same boat.

Score: EQ(809) EX(819) TU(800)
INQs: EQ(7) EX(16) TU(8)
Last INQ: 13 Jul 23

Total Credit Limit - $2.0M

Message 13 of 27
Anonymous
Not applicable

Re: Citi Diamond Preferred SP CLI - Data Points

Well done, UncleB! Any CLI is a great one, imho! Smiley Happy

Message 14 of 27
UncleB
Credit Mentor

Re: Citi Diamond Preferred SP CLI - Data Points


@Anonymous wrote:

Well done, UncleB! Any CLI is a great one, imho! Smiley Happy


Thanks so much, my friend!  Smiley Very Happy

 

You're exactly right... even the 'little ones' will add up over time!  Smiley Wink

Message 15 of 27
Jerry45
Valued Contributor

Re: Citi Diamond Preferred SP CLI - Data Points

Congrats B!

Message 16 of 27
UncleB
Credit Mentor

Re: Citi Diamond Preferred SP CLI - Data Points


@Jerry45 wrote:

Congrats B!


Thanks so much!  Smiley Very Happy

Message 17 of 27
Discover2016
Valued Contributor

Re: Citi Diamond Preferred SP CLI - Data Points

Awesome! Always good to see a CLI with a Citi card, I am looking forward to March when I could request a CLI on my DC and Prestige!

Gardening until September 2025
Next app: Mortgage in September 2025
FICO 08 Experian 810
Message 18 of 27
UncleB
Credit Mentor

Re: Citi Diamond Preferred SP CLI - Data Points


@Discover2016 wrote:

Awesome! Always good to see a CLI with a Citi card, I am looking forward to March when I could request a CLI on my DC and Prestige!


Thanks so much!  Smiley Very Happy

 

I agree completely... a Citi CLI is meaningful to me as well, even a small one.. LOL!  Smiley Tongue

 

Good luck on your own Citi CLI; March will be here before you know it!  Smiley SurprisedSmiley Very Happy

Message 19 of 27
CreditMagic7
Mega Contributor

Re: Citi Diamond Preferred SP CLI - Data Points

The Citigroup Diamond Preferred was my own very first Citi card and it came in the mail as a preapproval. They started the limit at $800 and at the time i only had US Bank ($2K) and Discover Card ($1400) so you can see the progression of those were downward in series at the start.

 

After only 2 statement cuts i went out on a limb and contacted their UW to place a request for a increase, It was Christmas season about like now. After some days i got a call back from that Dept with the good news! they approved a new limit of $2000 effectively matching US Bank.

 

After 12 months the Citi DC card entered the picture (nice timing) and i was able to PC over to it. A week earlier i had just got a SP CLI on it too so that helped when doing the PC.

 

So Congratulations UncleB on this latest success and thanks for the data points that can be useful to others. Smiley Happy

 

 

 

 

Message 20 of 27
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