Citi CashReturns Mastercard Pre-Approval in the Mail

[rom828]

Wow!!  Good for you!!

I've got a few PA offers, but am leery as I dont want to be turned down.

I'd like another card or two to improve util and for BT on 2 cards with higher interest.

last offer I rec'd was CityBank Diamond Preferred.  It doesnt sound like it's one I'll get a high limit on though, as the small print says some limits as low as $500!!

I have 620 EQ (I know---teetering on the edge....was 629 but got a new store card in Dec and took a hit!) and 677 TU...not sure on EX yet.

I live in GA...do you think they run TU on everybody?!  I'd be willing to take the hit as I know if would be temporary...IF I could get high enough limit to make it worthwhile.

Congrats again and any thoughts/comments for one still learning are appreciated!!

[Anonymous]

You Go Syl-

Want me to take you to the Sliegh center and strap you down?

[Anonymous]

Thanks Timothy. Might not be a bad idea!

Lord, I hope I don't get the urge to do anything more. No telling what points I lost doing this.

P.S. love your new signature line.
Message Edited by Sylviatob on 02-27-2008 05:05 PM

Message Edited by Sylviatob on 02-27-2008 05:06 PM

[haulingthescoreup]

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@Anonymous wrote:
Oh gosh Peas, I wish I would have called them back with a card design! I was so giddy when the CSR told me I got it, I went into total mind freeze. I guess I'm gonna get the generic one. Oh well.

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Even if you find that you have the dorky basic card when it comes, you can always change. They're very cheerful about this, and I think I got mine a week after requesting it. (The Monet Nymphaeas design.) It almost looks like you can have multiple cards for the same account, if I read it right on the FAQ's site:

I requested a new Discover Card design, what should I do with my current card?

Since your account number will not change, your current card will remain active until the expiration date. Continue using it until the expiration date shown on the card or call us at 1-800-DISCOVER (1-800-347-2683) to deactivate the card. You do not need toreturn your current card to us. If you choose not to use your old card, please destroy it.

edit to add: two more cool things about Discover: they report (drop statements) on the same day of the month, every month, even if it's a weekend or holiday. Makes it very simple if you're timing your payments! Also, they will be happy to change your due date to one that fits you better. They would probably be stumped if you asked them to change the statement date, lol, but the due date on DH's card is the day before the next statement date. So if you want to have the statement date on the 5th, so that you can PIF around the 1st, I think that you can ask for a due date on the 4th. Hope that makes sense....

Message Edited by haulingthescoreup on 02-27-2008 08:49 PM

[Anonymous]

WoW! Thanks Hauling!!! What a great way to end the day.

I'm going to do just that. muchas gracias!

[Anonymous]

Sylvia and Whirled,

Discover reported mine right away also with $0 balance and 2K CL.

About card design ... I wanted Dolphin card in first place when I appld, but rep made mistake, I got Clear Purple.  So I call Discover, and rep told me I can request different card design as much as I want plus able to use current card as hauling posted. 

http://ficoforums.myfico.com/fico/board/message?board.id=creditcard&thread.id=41170

Message Edited by bunnyrabbit on 02-27-2008 10:52 PM

[Anonymous]

Ohhhhhhhh, clear purple! How pretty! I REALLY need to go look at the different card designs......now if I only knew where to find it again.

[NICKI183]

Sylvia I am late in the congratulations department- way to go,

Your scores and utility must be on the money.  Your ability to balance and decipher your exact credit needs has been rewarded.

Now, just because your a credit hottie now, don't leave us 500 people behind.

Continue to give us to give us good advice so we can catch up to you..

[Anonymous]

Nicki, you're next! You are getting awfully close to the 600's, and it won't be long.

Keep up the good work! And ty for your kind words.

[Anonymous]

Sylvia, I went thru the posts fom yesterday and saw your Citi approval - GO GIRL!!!

As I've said, I love my Citi card and they gave you a nice credit line.  The other thing is I racked up so many rewards points - they gave me 6,000 for opening the card.  Did I mention I love them?

Now, please pack your duds and come with me to the Sleigh Center because I need watching!