I need your help guys

[Anonymous]

I got an offer in the mail for a Citibank Platinum Select Visa. Pretty good one too. 0% for 12 months.  So I know pre-approved and pre-selected are two different things but if the pre-selected has opt-out info, which it did, it is a better shot at being approved. I found that people who apply with offer were approved. They usually had low utilization, 0-2 inquiries on the Experian credit report, and a soft inquiry from citi cards on their credit report.

I checked, and I had the same soft inqury on my credit report. I'm thinking about applying in May, is there a good chance i'll get approved?  

What do you guys think? 

My Info

Utilization: 0-9%

0 inquries within the last 12 months

Score: somewhere in the 700's not sure since we can't get our fico score 

Haven't been late on anything in 3 years

Baddies: none in the past 3 years, all paid in full

[Anonymous]

Id say you have a pretty decent chance. I wouldnt think the limit would be to high with the baddie only being 3 years. Its not with Citi is it?

[Anonymous]

No sir tannerk, I have only dreamed of owning a citicard but never have I ever defaulted on them. 

I anticipate a small limit of at least $1000 which I would be more than happy with because I know Citi will grow with you as long as you treat Citi right, they'll treat you right. 

[LS2982]

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@Anonymous wrote:

I got an offer in the mail for a Citibank Platinum Select Visa. Pretty good one too. 0% for 12 months.  So I know pre-approved and pre-selected are two different things but if the pre-selected has opt-out info, which it did, it is a better shot at being approved. I found that people who apply with offer were approved. They usually had low utilization, 0-2 inquiries on the Experian credit report, and a soft inquiry from citi cards on their credit report.

I checked, and I had the same soft inqury on my credit report. I'm thinking about applying in May, is there a good chance i'll get approved?  

What do you guys think? 

My Info

Utilization: 0-9%

0 inquries within the last 12 months

Score: somewhere in the 700's not sure since we can't get our fico score 

Haven't been late on anything in 3 years

Baddies: none in the past 3 years, all paid in full

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I'd say you would get it, possibly a good limit too.

[pizzadude]

I think that you have a decent shot ~ assuming that your baddies aren't of the type that would usually get an automatic denial, like BK, etc...

[Anonymous]

No Banruptcy, No forclosure, No Repossions, No Judments, No Tax Liens Nada

Just some lates from when I was unable to work due to a car accident. As soon as I was able to get back to work, I paid all of my accounts, which were closed--due to the lateness, off completely. 

[halos24]

Although it is a different card Citi Thank you in my case sent me an offer and was not instant (heard it sometimes is not) but I called the next day the backdoor number and was approved for $1500.  They did not question my inquiries nor the lates I had from 2007-2008.  

How old are your lates? 

[Anonymous]

Last late thing was August of 2009 been clean since.

I've read that they dont care too much about paid charge-off as long as they are paid in full, not settled, and not with them.

What do you guys think?

[Chris123nTx]

Not sure if it is still available, but the citi diamond preferred had 0% on purchases and balances transfers for 18 months.

I think both of those cards are similar as far as requirements go, but I could be wrong.

Citi can give some nice starting credit lines, but the rewards are not great if you are after that sort of thing.

[Anonymous]

Im mainly attracted to the zero percent offer for 12 months. Plus, if this card is approved, it will replace my stgnated capital one cards. lol