Getting in with Citi

[Anonymous]

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imducky wrote:

are any of those 8 multiple hits for the same place? if so that would be a good recon point if it came to that. either way 8 really isn't a ton. how long before any hit the year mark?

i've heard it debated that fico scores are hit for a year, but lendors are only concerned with inq's in the last 6 months. i'm not syaing it's accurate or not, i just don't have any personal experience.

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Yep, one of them is de-duped.  I had a WaMu denial on July 27 last year, and a WaMu approval on April 2 this year.  So as of July 27, I'll only have 7 in the last year, but I won't get any points for it.

Interesting about inquiries in the last six months.  I have heard that tidbit before, too, in particular with regard to Citi.

[Anonymous]

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smallfry wrote:
Cheddar I have been approved for Platinum Select once Citi Pro once and the DP two times. I subsequently combined the PS and the DP original into my Pro. All three were relatively small initial limits like 5K or so.
My BK was a little over 7 years old utilization 2% a few but not many inquiries showing. I would go for both the Pro and the DP if I were you.

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Thanks for the info.  To be clear, I don't want the DP card.  I want the Pro and the Plat Amex.  Are you suggesting I get Pro and DP now so that I can maybe change the DP to Plat Amex in the future?

[Anonymous]

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FretlessMayhem wrote:
Cheddar, I thought the Citi site is blocked at the Concorduser Center where you reside.

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That is a good point.  Can't argue with that.

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FretlessMayhem wrote:

I don't know if you know or not, but the Citi Platinum Amex doesn't report CL.

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Yeah, thanks for mentioning that, but I am aware of that.  I'm not worried about it.  My util is less than 1% anyway, so even if I got a massive CL it wouldn't really help me if it reported.

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FretlessMayhem wrote:

Seems to have a lot of the same perks at the plat Amex, for 25 percent of the fee.

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That is exactly why I want the card.

The AF is waived the first year, too.  Pretty good deal, IMO.

[Anonymous]

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WhirledPeasPlease wrote:

If you tried to PC to the Citi Plat Amex, wouldn't you be ineligible for the initial bonus of all of those TY points?

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Yep, good point, too.  Yet another reason to try to app for it directly.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

If you tried to PC to the Citi Plat Amex, wouldn't you be ineligible for the initial bonus of all of those TY points?

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Peas I tried to do that and was told that their Plat Amex is not a product changable card at all.

However, she could have been misinformed. But she did change me to the dividend Amex right then.

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I had a feeling this would be the case, even though I've never heard it before.  Just seems intuitive.

[Anonymous]

Well, I bit the bullet.  Thanks to everyone who offered all their input.

Step 3: Approval Status

Approved!

Congratulations, Cheddar. You have been approved for a Citi^® Platinum American Express^® Card.

Your Welcome Kit and card(s) will arrive in the mail within two weeks at the address you provided. Upon arrival, follow the instructions on the security sticker to confirm receipt and activate your card for immediate use.

Account Details

Card Name:	Citi® Platinum American Express® Card
Initial Credit Line:	$11,000.00
Purchase APR:	Prime rate + 5.99%, currently 10.99%

[Anonymous]

nice! you owe me a drink if/when we met in the crown room (which you now have acess to i beleive)!

[Anonymous]

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imducky wrote:

nice! you owe me a drink if/when we met in the crown room (which you now have acess to i beleive)!

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You bet!  I'll buy you a couple even.

Now I'm off to take my lumps at the CCU Center.

[Anonymous]

just tell them you were seeking liquidity to remodel the center and advice on formin the ccu center credit union. i'm sure all will be forgiven, or at least forgotten.

[Anonymous]

You're both cheap.  They're free in the Crown Room!

Congrats on the super approval on the giant big-boy Citi card!  You have now lost your room at the Concord User Center.  Please remove your belongings and leave at once.  We don't like your 'kind' here.

 

(Okay, truth be told, I'm just jealous!  Big Congrats Cheddar!)

Message Edited by WhirledPeasPlease on 07-11-2008 08:41 PM