How long do I wait, what is the best card to app for with Citi ?

[bobbay]

Dear xxxxxxxx, As a valued Citibank customer, you can get even more from us with the Citi ThankYou® Preferred Card. You'll earn ThankYou Points toward great rewards - and with new double points, you'll earn them faster than ever: • Earn 20,000 bonus ThankYou Points after spending $1,500 within the first 3 months** • Earn 2X points on dining at restaurants and entertainment purchases and 1X point on all other purchases† • Get 0% APR on balance transfers and purchases for 12 months. After that, the variable APR will be 12.99% - 22.99% based upon your creditworthiness. There is a balance transfer fee of 3% or $5, whichever is greater.* • No annual fee* Don't wait - this offer expires September 30, 2013. Apply now to earn 20,000 bonus ThankYou Points.

[myjourney]

We need a lot more info before we can even attempt to answer that ....Lol

INQ's,AAoA,scores,baddies....etc etc 

[Anonymous]

This is the standard public offer for the card, see:

https://www.citi.com/credit-cards/compare-credit-cards/detail.do?ID=most-popular-credit-cards

So, no hurry to take it, unless you think the rewards will go down.

IMO, this is not a great card at all, but if you have inquiries to spare, I guess the $200 bonus (but not in cash) is OK.

[Anonymous]

If you're interested in churning, the AAdvantage cards may be for you.

[bobbay]

EXP = 3 inquiries

Tu= 4 inquiries

EQ = 2 inquiries

AAoA just dropped from 8 to 4 years since I just opened JCrew, Express, Creditone, Firestone cards last month and waiting for final on Quicksilver.  The bulk of the inquiries are capital one.  I opened a 360 account the same time I apped for Quicksilver and they did a tripple pull and separate pull for the checking account so that is 4 of the 9 inquiries. 

Scores are in the low to mid 600's so I am looking for an entry card with Citi.  I had the Citi Upromise in the past it was sold to Bof A, they jacked up the account because statements kept going to closed email and I had to escillate it to a manager to finally get paperstatements on and set it up on auto pay and the account was closed/sold to barclays where it sits on autopay till it hits $0.

[myjourney]

---

@bobbay wrote:

EXP = 3 inquiries

Tu= 4 inquiries

EQ = 2 inquiries

AAoA just dropped from 8 to 4 years since I just opened JCrew, Express, Creditone, Firestone cards last month and waiting for final on Quicksilver.  The bulk of the inquiries are capital one.  I opened a 360 account the same time I apped for Quicksilver and they did a tripple pull and separate pull for the checking account so that is 4 of the 9 inquiries. 

Scores are in the low to mid 600's so I am looking for an entry card with Citi.  I had the Citi Upromise in the past it was sold to Bof A, they jacked up the account because statements kept going to closed email and I had to escillate it to a manager to finally get paperstatements on and set it up on auto pay and the account was closed/sold to barclays where it sits on autopay till it hits $0.

---

IMHO 

I would pass because of to many recent INQ's and scores .........Citi is hard to figure 

[FinStar]

---

@bobbay wrote:

EXP = 3 inquiries

Tu= 4 inquiries

EQ = 2 inquiries

AAoA just dropped from 8 to 4 years since I just opened JCrew, Express, Creditone, Firestone cards last month and waiting for final on Quicksilver.  The bulk of the inquiries are capital one.  I opened a 360 account the same time I apped for Quicksilver and they did a tripple pull and separate pull for the checking account so that is 4 of the 9 inquiries. 

Scores are in the low to mid 600's so I am looking for an entry card with Citi.  I had the Citi Upromise in the past it was sold to Bof A, they jacked up the account because statements kept going to closed email and I had to escillate it to a manager to finally get paperstatements on and set it up on auto pay and the account was closed/sold to barclays where it sits on autopay till it hits $0.

---

For the TYP, your scores would need to be on the upper range of 600 -- definitely north of 700 to receive better account terms and CL.  Citi is quirky and can be new account and inquiry sensitive so if you've recently gone on an app fiesta, I'd say hold off.  Of course, socres are only one component of the overall decision process and YEMV.

[bobbay]

I totally agree.  Question is.  Is it better to wait for the end card or to climb the ladder?  There is no doubt I am not going to squander any more inquiries in the future.  I am thinking AMEX is my next card so the easiest AMEX once my scores go up and things settle down a bit.

I have noticed there is ofter talk of App spree's.  Is there any benefit to doing this in clusters as opposed to regular interval over time?

[Anonymous]

BTW, for those interested, there is a 30K offer.

http://creditcards.citicards.com/usc/thankyou/Preferred/2013/Aug/external/default.htm?BT_TX=1&Prospe...

Only 7 months of 0% APR, but that won't matter for many.