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Citi® Diamond Preferred® Card should i go for it ?

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Citi® Diamond Preferred® Card should i go for it ?

Hi all,

               Today I have recieved a pre approved offer from citi diamond preferred master card with 0% APR for 18 months and 13.99 after that.

My question is should i go for this card ?

I have an Amx Gold from a 1 yr now and a Macy's store card from 2 yrs, citi dividened card as an AU on my wife with 4k limit, AU on my father's card Amx blue 5k limit, Amx Green again AU and joint card from discover with my wife with 1k limit.

If I go for this card how much i should expect this CL. My credit karma score is 734.

Please suggest

Regards.

 
Citi® Diamond Preferred® Card
 
Citi® Diamond Preferred® Card
Message 1 of 6
5 REPLIES 5
Frequent Contributor

Re: Citi® Diamond Preferred® Card should i go for it ?


@a4aseph wrote:

Hi all,

               Today I have recieved a pre approved offer from citi diamond preferred master card with 0% APR for 18 months and 13.99 after that.

My question is should i go for this card ?

I have an Amx Gold from a 1 yr now and a Macy's store card from 2 yrs, citi dividened card as an AU on my wife with 4k limit, AU on my father's card Amx blue 5k limit, Amx Green again AU and joint card from discover with my wife with 1k limit.

If I go for this card how much i should expect this CL. My credit karma score is 734.

Please suggest

Regards.

 
Citi® Diamond Preferred® Card
 
Citi® Diamond Preferred® Card

I would sugggest you pull your actual FICO scores. Also check out the CIt.com website. I know their Platinum Select Mastercard is offering 21 months 0% financing and BT. I think that's certainly more appealing than Diamond. Plus the Platinum Select has a rewards program attached to it.

In the Garden Club since: 07/05/2017


6/9/2008-TransUnion-703
6/9/2008-Equifax-712
6/9/2008 Experian-635

2/16/2011 Transunion - 675
3/11/2011 Equifax - 688
5/13/2011 Equifax - 704
5/28/2011 Equifax - 704
5/28/2011 Transunion - 724
Message 2 of 6
Established Contributor

Re: Citi® Diamond Preferred® Card should i go for it ?

For what it's worth, Credit Karma score doesn't really indicate anything. My CK score is 759 but my actual FICO TU score is 643.

If you have no recent negatives on your report and really need the balance transfer, I'd say give it a try


Starting Score (08/11/11): TU08: 643
Current Score: TU08: 741
Goal Score: Stay in the 700s; keep reports clean


Take the FICO Fitness Challenge
Message 3 of 6
Established Contributor

Re: Citi® Diamond Preferred® Card should i go for it ?

Don't pay any attention to CK scores. My CK score is 752. My TU Fico 792.

Amex BCE $11.1 / Citi Diamond Preferred WMC $12K / Citi Double Cash WMC $3.8K / Comenity Total Rewards Visa $2.5K / Citi Home Depot $5K / AU- Amex BCP $12K / Chase Freedom Visa $11014.00 / PenFed Platinum Rewards Visa Signature $6K / GE Lowes $10K
myFico Scores on 10/03/2014
Eq 798 / Exp 811 / Trans 814
CCT Fico 08 on 1/3/16 - Trans 786 / Exp 793 / Eq 797
Message 4 of 6
Valued Contributor

Re: Citi® Diamond Preferred® Card should i go for it ?

Well, if you plan on taking advantage of 0% interest for 18 months, go for it. This is a good card for 0% interest on purchase and/or balance transfer.

 

If reward is your thing then don't get it.

Message 5 of 6
Established Contributor

Re: Citi® Diamond Preferred® Card should i go for it ?


@trumpet-205 wrote:

Well, if you plan on taking advantage of 0% interest for 18 months, go for it. This is a good card for 0% interest on purchase and/or balance transfer.

 

If reward is your thing then don't get it.


Other than the intro interest offer, its a pretty useless card. I've had mine for a few years now with a very low APR, but no real purpose for the card besides that. 

FICO: EX: 740 (1/18); TU: 753 (12/17); EQ 777 (12/17)
Amex Blue Cash | Amex Blue Business | Amex Cash Magnet | Amex Gold Rewards | Amex Lowes Business | Amex SimplyCash Plus | Barclays Uber Platinum Visa | Chase Amazon Prime Visa Signature | Chase Freedom Visa Signature | Discover IT More Dawn | Discover IT More Pride | Fidelity Invest Visa Signature | NFCU Cash Rewards World Mastercard | Penfed Pathfinder Rewards Amex | Sams Club Mastercard | USAA Limitless Rewards Platinum Visa | Walmart Mastercard
Message 6 of 6
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