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Citi Diamond Preferred Card **BS**

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Established Member

Citi Diamond Preferred Card **BS**

i first started with $400 secured citi card 2y ago, after 18 month they upgraded to citi diamond preferred card with $800 CL. After 2 y 1/2 the max i got is $1100 my vantage score is 760 ( 2018). just keeping because of credit age. They increase once every 6 month,  if you request a CLI sometimes they do HP. Citi use transunion for CLI in TX, and experian for opening.

 

Message 1 of 16
15 REPLIES 15
Senior Contributor

Re: Citi Diamond Preferred Card **BS**


@blackfines1 wrote:

i first started with $400 secured citi card 2y ago, after 18 month they upgraded to citi diamond preferred card with $800 CL. After 2 y 1/2 the max i got is $1100 my vantage score is 760 ( 2018). just keeping because of credit age. They increase once every 6 month,  if you request a CLI sometimes they do HP. Citi use transunion for CLI in TX, and experian for opening.

 


Vantage score is useless. Ignore it. So what is the BS for? You started at the bottom and have moved up as you rebuild with CIti. You provided hardly any other history of other accounts. Get your FICO with Discover Scorecard. Report back.





My posts are JMHO. I DO NOT claim to be a FICO expert. Just sharing my experiences from rebuild to recovery after BK DC. My siggy is not to brag at all. Just to show fellow members what can be accomplished when you do it right and play the FICO Credit Game.
Message 2 of 16
Regular Contributor

Re: Citi Diamond Preferred Card **BS**

I agree with FireMedic, my vantage scores are in the high 600s but my FICO are in the low 600s...Don't follow vantage scores. Give us more info to what is on your report







Message 3 of 16
Frequent Contributor

Re: Citi Diamond Preferred Card **BS**

Curious, what is your EQ Fico Bankard 8 score which Citi provides?




*Currently using Amex Delta Platinum for Supermarkets. ×5 miles back promo. Ends 8/31/2019.
Message 4 of 16
Established Member

Re: Citi Diamond Preferred Card **BS**

FICO score card is 739

Message 5 of 16
Regular Contributor

Re: Citi Diamond Preferred Card **BS**

Need more details...any negatives and how many cards you have with balances, age of credit history all those play a factor it's not just scoring







Message 6 of 16
Community Leader
Super Contributor

Re: Citi Diamond Preferred Card **BS**

Im not sure i understand this post. I never get sp cli from Citi so if you do you are doing something rightSmiley Wink
Charter Member of the Discover " No Cli For You " Club !

Chase Never/24 Squad Leader
Team Pendread Anonymous
#JustSayNo2Comenity
Officially S.O.G.O.T.P
Message 7 of 16
Valued Contributor

Re: Citi Diamond Preferred Card **BS**

There must be more to this story than is being shared with us.

Chase Sapphire Reserve • PenFed Power Cash Rewards • and five cards in the sock drawer

No CC debt • No bonus chasing • No app sprees • No gift cards • No AZEO • No airline incidentals • No hotel cards • No store cards • No business cards • No authorized users
Message 8 of 16
Valued Contributor

Re: Citi Diamond Preferred Card **BS**

I don't think it's BS, Citi is a slow goer in general with small CLIs every 6 months. If you don't show the useage, then they probably don't feel the need to raise it too much. Also, there are other cards out there if you feel unhappy with Citi. Sometimes a secured card will never be more than a starter and essentially be locked in at low CL.  

 


@AverageJoesCredit wrote:
I never get sp cli from Citi so if you do you are doing something rightSmiley Wink

 

I've received two 

Message 9 of 16
Frequent Contributor

Re: Citi Diamond Preferred Card **BS**


@AverageJoesCredit wrote:
Im not sure i understand this post. I never get sp cli from Citi so if you do you are doing something rightSmiley Wink

By default, LUV button will do a SP. It will be instant, and they will determine how much.

After that, if you try requesting again, I believe they will ask more questions.

 

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*Currently using Amex Delta Platinum for Supermarkets. ×5 miles back promo. Ends 8/31/2019.
Message 10 of 16
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