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Is anyone else getting bombarded with Citi Pre-Approved letters

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Established Contributor

Re: Is anyone else getting bombarded with Citi Pre-Approved letters


@amp0804 wrote:
Yea, I also get 3-4 per month and balance transfer checks twice a month. I currently carry two cards with them also.

A Divended plus and Forward both over 7k. If they really want to give me another one I will probably apply next year.

Does citi combine limits??

I don't believe so unless they've changed their policy recently. Anyone have luck with this?

FICO: EX: 740 (1/18); TU: 753 (12/17); EQ 777 (12/17)
Amex Blue Cash | Amex Blue Business | Amex Cash Magnet | Amex Gold Rewards | Amex Lowes Business | Amex SimplyCash Plus | Barclays Uber Platinum Visa | Chase Amazon Prime Visa Signature | Chase Freedom Visa Signature | Discover IT More Dawn | Discover IT More Pride | Fidelity Invest Visa Signature | NFCU Cash Rewards World Mastercard | Penfed Pathfinder Rewards Amex | Sams Club Mastercard | USAA Limitless Rewards Platinum Visa | Walmart Mastercard
Message 11 of 20
Regular Contributor

Re: Is anyone else getting bombarded with Citi Pre-Approved letters

Yes, I get them quite often and I'm not a current customer nor have I been in the past.

 

IMO, they're very aggressive and not terribly picky so I don't know what their softing criteria is (my 3 scores bounce around 670 - 700).  I wish I would start to see different offers from other CCC's like Discover and Chase (I don't want any of their products but I feel like it might be a better barometer of how I'm doing than these Citi offers).

 

 


With FICO, time heals all wounds.

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Message 12 of 20
Established Contributor

Re: Is anyone else getting bombarded with Citi Pre-Approved letters


@UFGuy2006 wrote:

@amp0804 wrote:
Yea, I also get 3-4 per month and balance transfer checks twice a month. I currently carry two cards with them also.

A Divended plus and Forward both over 7k. If they really want to give me another one I will probably apply next year.

Does citi combine limits??

I don't believe so unless they've changed their policy recently. Anyone have luck with this?


I don't know about combining limits but they are certainly generous with CLI's if you are a good boy or girl.

Amex BCE $11.1 / Citi Diamond Preferred WMC $12K / Citi Double Cash WMC $3.8K / Comenity Total Rewards Visa $2.5K / Citi Home Depot $5K / AU- Amex BCP $12K / Chase Freedom Visa $11014.00 / PenFed Platinum Rewards Visa Signature $6K / GE Lowes $10K
myFico Scores on 10/03/2014
Eq 798 / Exp 811 / Trans 814
CCT Fico 08 on 1/3/16 - Trans 786 / Exp 793 / Eq 797
Message 13 of 20
Established Contributor

Re: Is anyone else getting bombarded with Citi Pre-Approved letters

I have 2 Citi bank CCs and 3 Citi-backed CCs (Macys, Home Depot, Sears MC) and I've been getting solicitations every week for different cards.  It seems like the banks are after new blood now that they seem to be doing better and have money to lend.  Also with the interest rates inching higher it makes good business sense for them.

CCs: Chase Freedom VS 12.9k, CSP VISA Sg 13k, BofA Amex 24.5k, Discover 12.5k, US Bank Cash+ Visa Sg 17k, Macy's Amex 8k/1.5k, Gap Visa 10k, Best Buy 11.1k, Citi TY MC 10.8k, Citi AA Amex 6k, Nordstrom VS 10k, Costco Amex 12k, BofA CR VS 5k, Amex BCP 13.5k, Amex ED 5k, Sears MC 9k, HD 7k, Target 600, Amazon 7k, US Bank MC 15k, US Airways MC 8k, NFL Visa 4k, Patelco Visa 10k, Penfed PR VS 44.6k, Chase Hyatt VS 8k, Citi Simplicity 13.3k, PayPal MC 7.5k, BBVA Visa 4k, WF VS 14k, FNBO Amex 14.1k, OCCU VISA 15k, TR Visa Sg 16.3k, C1 QS Visa 11k, FRN MC 15k, HSN 4k, Saks WEMC 10k/4k, Chase Ink 18k, Arrival WEMC 10k, Ebates VS 8k, Orbitz VS 12k, NASA V 30k, USBk FP VS 21.5k, DC 30k, VirgAm 15k, Sams MC 15k, Amex Bz Gold, Amex SC 10k, BofW Bz MC 18k
Message 14 of 20
Valued Contributor

Re: Is anyone else getting bombarded with Citi Pre-Approved letters

its funny, the few times i get pre approvals, they are stellar offers and ALL of them are visa signature offers. and they dont repeat either. odd. i became a hhonors member, and just 2 months after that i received a preapproval from citi for hilton hhonors visa signature. i have not received any other offers from citi. and it doesn't repeat either. its as if they are trying to be careful around me.

earth air water fire master visa express discover
Message 15 of 20
Frequent Contributor

Re: Is anyone else getting bombarded with Citi Pre-Approved letters

Yup. we (me and my wife) get them on daily basis.

TU Auto enhanced FICO (9/2012): 744
EX FICO (8/2012): 748
EX FICO (6/2010): 739
Message 16 of 20
Valued Contributor

Re: Is anyone else getting bombarded with Citi Pre-Approved letters

Yes got 4 in the mail this past week. An in the trash they go!


Starting Score 3-31-08: EQ 582 TU 577 EX 625
Current Score 3-19-10: EQ 703 TU 712 EX No Clue
Goal Score: 800 By January Of 2012


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Message 17 of 20
Regular Contributor

Re: Is anyone else getting bombarded with Citi Pre-Approved letters

I've been getting a ton of them - I was a former Citi member until they decided to jack my 6.75apr to 21% unless I opted out (closed) my account.  I'm tempted to apply for a card with these sweet 0% for 18month and $100 cash bonus offers, but I'm scared they'll just give me a low credit limit.


Starting Score: 557 (2005)
Current Score: 803
Goal Score: 805


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Message 18 of 20
Frequent Contributor

Re: Is anyone else getting bombarded with Citi Pre-Approved letters

I applied for the Citi Diamond a couple of months ago but I had to allocate 3500 from my Citi Plat (had a 13k limit) along with the 500 they approved me for so I took it to take advantage of the balance transfer for 21 months.I also have a Citi Dividend card with a 10k limit and according to the csr I talked to through chat, I have the maximum credit limit they can give me according to my income on file which is predicated by the credit card act.

Message 19 of 20
Super Contributor

Re: Is anyone else getting bombarded with Citi Pre-Approved letters

Yes, we get lot of these in our house also.

Message 20 of 20
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