@Anonymous wrote:They're definitely tailored custom marketing offers, but if they're strong ones or not is anybody's guess.
I don't have any offers from Citibank if I use their prequalify page -- ever. I did get 2 mailers 2 weeks apart in Dec/Jan from Citi but the wording on my mailers is more "invitation to apply" than "hey you're preapproved for sure" wording. Now this one compared to what others have posted leads me to believe Citi is more likely to approve me for DC but honestly it just isn't worth it for me. Too many better cards to snag and my goal for 4/24 by 6/19 is stronger.
The thing is, I could actually app for one more card before then and still get to 4/24 on 6/19 but there's nothing I'm interested in enough. I'd LOVE a Sapphire product, and that's it. I guess I would probably be happy for a different travel card (US Bank's card) but my TU is my weak link (unpaid tax lien reporting) so I don't feel the desire to burn an inquiry for a card that would only get use until Chase lets me in with Sapphire.
Citi DC, as I said in my previous comment, is easily 2 years away from being useful for me. There are 3% card options I'd rather maximize!
But if anyone does apply through the site, please post your data points -- did you have any offers on Citi prequalify page, mailers, etc...
I'm interested in Citi, just not until July. And I want the Costco card with a decent SL, so I'm waiting until I can get at least over 700 and hopefully 720+. I'm thinking this can be possible by July. I was over 700 all three CB's last june before I app spree'd the hell out of myself and opened 7 new accounts, plus a new auto in Sep and NFCU end of December.
I'm hoping for a speedy recovery.
@jlitnns wrote:I'm interested in Citi, just not until July. And I want the Costco card with a decent SL, so I'm waiting until I can get at least over 700 and hopefully 720+. I'm thinking this can be possible by July. I was over 700 all three CB's last june before I app spree'd the hell out of myself and opened 7 new accounts, plus a new auto in Sep and NFCU end of December.
I'm hoping for a speedy recovery.
Do you have a pretty thin profile that caused you to go from > 700 FICO to mid 650's? Or is utilization playing a role as well? Just a big drop from an app spree and a new car loan IMO. Obviously if you AAoA is thin and not a robust profile this can certainly happen. Just curious. Thanks
@CreditCuriousity wrote:
@jlitnns wrote:I'm interested in Citi, just not until July. And I want the Costco card with a decent SL, so I'm waiting until I can get at least over 700 and hopefully 720+. I'm thinking this can be possible by July. I was over 700 all three CB's last june before I app spree'd the hell out of myself and opened 7 new accounts, plus a new auto in Sep and NFCU end of December.
I'm hoping for a speedy recovery.
Do you have a pretty thin profile that caused you to go from > 700 FICO to mid 650's? Or is utilization playing a role as well? Just a big drop from an app spree and a new car loan IMO. Obviously if you AAoA is thin and not a robust profile this can certainly happen. Just curious. Thanks
Yea pretty thin I think, AAoA is at 34 months, oldest account over 11 years. Util did kill me because I did a (large to me) BT and it is finally getting paid down, just got down below 30% (23%) and I will be at about 15% util in Feb and should easily be under 9% by March.
@jlitnns wrote:
@CreditCuriousity wrote:
@jlitnns wrote:I'm interested in Citi, just not until July. And I want the Costco card with a decent SL, so I'm waiting until I can get at least over 700 and hopefully 720+. I'm thinking this can be possible by July. I was over 700 all three CB's last june before I app spree'd the hell out of myself and opened 7 new accounts, plus a new auto in Sep and NFCU end of December.
I'm hoping for a speedy recovery.
Do you have a pretty thin profile that caused you to go from > 700 FICO to mid 650's? Or is utilization playing a role as well? Just a big drop from an app spree and a new car loan IMO. Obviously if you AAoA is thin and not a robust profile this can certainly happen. Just curious. Thanks
Yea pretty thin I think, AAoA is at 34 months, oldest account over 11 years. Util did kill me because I did a (large to me) BT and it is finally getting paid down, just got down below 30% (23%) and I will be at about 15% util in Feb and should easily be under 9% by March.
Hmm not that thin of file.. Strange guessing it is your new installment loan (car) that is hitting you the hardest. Thanks.
Now back to the subject whether these are "firm" offers. Just need some Guniea pigs 
I tried creating a profile but it kept giving me an error when i would submit the request. Im guessing its due to my credit report being frozen?
Yea i figured that too....but OP mentioned "This is probably so Citi can get access to more scores with frozen profiles since you're allowing them access". I figured they knew something i didnt.