CITI, are you nuts??

[Imhotrodcrazy]

I don't often get bored,  but I was a little today.  So,  to amuse myself I went on a couple of sites to see the "pre-qual" stuff.   Citi showed a bunch of cards,  but all of the cards gave me an  interest rate of  22.99%.  I thought,  Citi,  are you nuts??.  With scores of  800 across the board  I said no way.  Even tho I PIF whatever I charge,  I felt a little insulted by the offers.  There will never be a Citi card in  my wallet.  Just thought I would share  the amusement. 

[Anonymous]

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@Imhotrodcrazy wrote:

I don't often get bored,  but I was a little today.  So,  to amuse myself I went on a couple of sites to see the "pre-qual" stuff.   Citi showed a bunch of cards,  but all of the cards gave me an  interest rate of  22.99%.  I thought,  Citi,  are you nuts??.  With scores of  800 across the board  I said no way.  Even tho I PIF whatever I charge,  I felt a little insulted by the offers.  There will never be a Citi card in  my wallet.  Just thought I would share in the amusement. 

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Weird.  They just gave me the lowest APR listed on my AA app.  Don't understand why they are listing such a high one for you and wonder if an approval would give you something much better.

[Imhotrodcrazy]

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@Anonymous wrote:

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@Imhotrodcrazy wrote:

I don't often get bored,  but I was a little today.  So,  to amuse myself I went on a couple of sites to see the "pre-qual" stuff.   Citi showed a bunch of cards,  but all of the cards gave me an  interest rate of  22.99%.  I thought,  Citi,  are you nuts??.  With scores of  800 across the board  I said no way.  Even tho I PIF whatever I charge,  I felt a little insulted by the offers.  There will never be a Citi card in  my wallet.  Just thought I would share in the amusement. 

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Weird.  They just gave me the lowest APR listed on my AA app.  Don't understand why they are listing such a high one for you and wonder if an approval would give you something much better.

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Irish,

I certainly wouldn't take the chance on applying to see if I could get a better rate.  I know its mute since I always pay in full.  But as they say,  it's the principle of the thing.

[Anonymous]

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@Imhotrodcrazy wrote:

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@Anonymous wrote:

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@Imhotrodcrazy wrote:

I don't often get bored,  but I was a little today.  So,  to amuse myself I went on a couple of sites to see the "pre-qual" stuff.   Citi showed a bunch of cards,  but all of the cards gave me an  interest rate of  22.99%.  I thought,  Citi,  are you nuts??.  With scores of  800 across the board  I said no way.  Even tho I PIF whatever I charge,  I felt a little insulted by the offers.  There will never be a Citi card in  my wallet.  Just thought I would share in the amusement. 

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Weird.  They just gave me the lowest APR listed on my AA app.  Don't understand why they are listing such a high one for you and wonder if an approval would give you something much better.

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Irish,

I certainly wouldn't take the chance on applying to see if I could get a better rate.  I know its mute since I always pay in full.  But as they say,  it's the principle of the thing.

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Understandable.  The only other thing I'll add though is that in reading recent threads Citi is fairly receptive to lowering APRs even below those listed for the individual cards.  I can't compare to any preapproval APRs for me because they never show me any.

[lhcole77]

How many recent INQs and TLs do you have, OP? I have a feeling these are factored in to APR.

It seems that they were for me.

[Anonymous]

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@lhcole77 wrote:

How many recent INQs and TLs do you have, OP? I have a feeling these are factored in to APR.

It seems that they were for me.

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Didn't affect mine at all.

[AirlinerDudeB6]

That's funny, I did the same thing this morning for citi pre qual and got the same 22.9% crap results.

I'm pretty sure I said "yea, okay citi..." out loud while sitting in my office.

[lg8302ch]

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@Imhotrodcrazy wrote:

I don't often get bored,  but I was a little today.  So,  to amuse myself I went on a couple of sites to see the "pre-qual" stuff.   Citi showed a bunch of cards,  but all of the cards gave me an  interest rate of  22.99%.  I thought,  Citi,  are you nuts??.  With scores of  800 across the board  I said no way.  Even tho I PIF whatever I charge,  I felt a little insulted by the offers.  There will never be a Citi card in  my wallet.  Just thought I would share  the amusement. 

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...that is indeed amusing and  even worse than me trying out the Cap1 pre-approvals where they offer me QS1 MC with an APR of 22,9%... but I am already holding QS VS with 12,9% APR.... I think Cap1 wants to help me with gardening and Citi does the same favor  to you ?

[jsucool76]

BoA always gives me offers for their "lowest rate ever" and it's like 23%

[lhcole77]

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@Anonymous wrote:

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@lhcole77 wrote:

How many recent INQs and TLs do you have, OP? I have a feeling these are factored in to APR.

It seems that they were for me.

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Didn't affect mine at all.

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Gulp

Then I'm at a loss lol