Citi Simplicity vs. Diamond Preferred vs. Double Cash

[Peter1142]

Looking for a BT card. Got similar offers for all of these, better offers than the Slate. Which should I chose?

[Anonymous]

Diamond preferred is pretty useless beyond BT IME. I'd go DC. Not familiar with simplicity.

[Peter1142]

I really hope they pull EQ or TU because my EX kind of sucks (658 IIRC... one disputed unpaid collection)... but it is the same problem with just about any lender... only CU's don't pull EX.

[Jarnog]

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@Peter1142 wrote:

Looking for a BT card. Got similar offers for all of these, better offers than the Slate. Which should I chose?

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Slate does have the free EX Fico now

[Anonymous]

Depends on if you intend to use the card after the BT and how much you are transfering.

If you are going to use the card after the BT, apply for DoubleCash, otherwise do Diamond Preferred or Citi Simplicity. 

[Peter1142]

I could go with the DCU Visa Platinum instead... has an 8.5% APR but no BT fee... Or on second thought it would be better to try Citi first and keep that for later if needed. I could do the Citi Double Cash for 18 months then get the DCU card if needed and keep the Double Cash for the nice rewards.

[Peter1142]

I was approved for the Double Cash with a less than ideal but not terrible limit. Any hopes of a recon?

[Anonymous]

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@Peter1142 wrote:

I was approved for the Double Cash with a less than ideal but not terrible limit. Any hopes of a recon?

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You can recon it with a 2nd pull. DC almost always has terrible starting limits. People report significantly higher limits after a 2nd pull. 

[Peter1142]

Is there a backdoor number someone can PM me or call regular CSR?

[Peter1142]

CSR said I have to wait until I have the card and request a CLI... should I call the EO?