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Citi PreQuals

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Regular Contributor

Citi PreQuals

Morning all!

 

Pre-qualified through their site for the Citi Rewards+ @ the cards lowest rate of 15.49% (after the 0% intro APR)

 

How solid are their pre-quals?

 

Thanks!

FICO 8s 790-807 across all 3 CRBs

NFCU More Rewards: $29K | NFCU Platinum: $25.5K | Chase Freedom Unlimited $16k | Amex Delta Blue $15k | Discover IT: $8.4K
Message 1 of 9
8 REPLIES 8
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Moderator

Re: Citi PreQuals

While not 100% guaranteed (as with any pre-approved offer), they're fairly solid for the most part.
Message 2 of 9
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Moderator

Re: Citi PreQuals

They must be pretty solid, I never had one 🤷‍♀️

07/05/2020. I walked uphill, with shoulder backpack, in the sun, in the wrong shoes, hungry and thirsty. One less on the bucket list
Message 3 of 9
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Moderator

Re: Citi PreQuals

My first Citi card was a prequalification (Diamond Preferred at 12.24%) and was instantly approved. As long as one APR is showing rather than a range, they do tend to be pretty solid offers.

Message 4 of 9
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Frequent Contributor

Re: Citi PreQuals

Pre-approved for citi costco for $4k SL in july I think and got it. I had very low scores compared to what I have now and near maxed out on multiple cards and >65% aggregate UTI. (I think scores were around 640 ish) 

 

My two cents from personal experience is prequal is solid with citi.



Screen-Shot-2019-08-25-at-8-03-49-PMScreen-Shot-2019-08-21-at-7-25-12-PM

Message 5 of 9
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Established Contributor

Re: Citi PreQuals

I was denied even though I've been getting letters from them and pre-qualified on their website. 

I think I've found the sacred map that may lead me to this garden everyone keeps talking about.



Officially collection free as of 3/19/19!!
STARTING SCORES: 377 (11/2013) & 580 (3/2018)
Message 6 of 9
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Moderator

Re: Citi PreQuals


@Queen_Etherea wrote:

I was denied even though I've been getting letters from them and pre-qualified on their website. 


Ouch.  Have you had any previous negative accounts with Citi or CBNA?

Message 7 of 9
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Established Contributor

Re: Citi PreQuals


@K-in-Boston wrote:

@Queen_Etherea wrote:

I was denied even though I've been getting letters from them and pre-qualified on their website. 


Ouch.  Have you had any previous negative accounts with Citi or CBNA?


Nope. My utilization is at 4% and I have no negatives whatsoever. I've never done business with Citi or CBNA. The pre-qual even showed a solid APR and not a range.

I think I've found the sacred map that may lead me to this garden everyone keeps talking about.



Officially collection free as of 3/19/19!!
STARTING SCORES: 377 (11/2013) & 580 (3/2018)
Message 8 of 9
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Regular Contributor

Re: Citi PreQuals

What were the reasons for the denial listed on the AA letter?

FICO 8s 790-807 across all 3 CRBs

NFCU More Rewards: $29K | NFCU Platinum: $25.5K | Chase Freedom Unlimited $16k | Amex Delta Blue $15k | Discover IT: $8.4K
Message 9 of 9
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