is CITI pre-qual golden?

[elim]

you've been Pre-qualified for the following credit card offer.

Citi® Diamond Preferred® Card

• Enjoy 0% Intro APR on purchases and balance transfers for 9 months; after that, the variable APR will be 22.99%.1
• Balance Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater.1
• 24/7 access to personalized concierge service for assistance in booking hotel rooms, flights, concert tickets and more.
• $0 Liability on Unauthorized Charges and Citi® Identity Theft Solutions.

i know the apr is junk but i have a tax lien and wondered how reliable the pre-qual is... anyone been denied after prequalified offer?

[Anonymous]

---

@elim wrote:

you've been Pre-qualified for the following credit card offer.

Citi® Diamond Preferred® Card

• Enjoy 0% Intro APR on purchases and balance transfers for 9 months; after that, the variable APR will be 22.99%.1
• Balance Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater.1
• 24/7 access to personalized concierge service for assistance in booking hotel rooms, flights, concert tickets and more.
• $0 Liability on Unauthorized Charges and Citi® Identity Theft Solutions.

i know the apr is junk but i have a tax lien and wondered how reliable the pre-qual is... anyone been denied after prequalified offer?

---

It wasn't for me 

I applied for the Citi Diamond only cause they prequalified me at 9.9% Then I got the big denial, lol.

[elim]

---

@Anonymous wrote:

---

@elim wrote:

you've been Pre-qualified for the following credit card offer.

Citi® Diamond Preferred® Card

• Enjoy 0% Intro APR on purchases and balance transfers for 9 months; after that, the variable APR will be 22.99%.1
• Balance Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater.1
• 24/7 access to personalized concierge service for assistance in booking hotel rooms, flights, concert tickets and more.
• $0 Liability on Unauthorized Charges and Citi® Identity Theft Solutions.

i know the apr is junk but i have a tax lien and wondered how reliable the pre-qual is... anyone been denied after prequalified offer?

---

It wasn't for me 

I applied for the Citi Diamond only cause they prequalified me at 9.9% Then I got the big denial, lol.

---

  that means my 22.99% is probably a denial also.

[Anonymous]

Was that from the site? Or mailer?

Wife got a mailer for this card. 12mos 0% purchase, balance transfers and 17.99 APR thereafter. Applied and instantly approved with both EX and EQ pulled.

FICOs were 690 and 699 respectively

[CenturyChild]

Depends on your profile.  How many INQs in last 6 months. If I recall Citi doesnt want more than 1 or 2. Someone else may be able to confirm.

New accounts in last year? Less the better.

To many variables to give a idea.

I honestly think all these Pre-Qual letters you mean is that you are in the score range for approval.  From there they look closer at your profile.

So if your score is the same or better, Util is good,  and nothing bad has happened or no new accounts/new INQs since that PreQual SP, then you may be good to go.

[Anonymous]

---

@CenturyChild wrote:

Depends on your profile.  How many INQs in last 6 months. If I recall Citi doesnt want more than 1 or 2. Someone else may be able to confirm.

New accounts in last year? Less the better.

To many variables to give a idea.

I honestly think all these Pre-Qual letters you mean is that you are in the score range for approval.  From there they look closer at your profile.

So if your score is the same or better, Util is good,  and nothing bad has happened or no new accounts/new INQs since that PreQual SP, then you may be good to go.

---

INQs were 10+ on both EX, EQ when Wife was approved.

[Skye12329]

Personally i dont think Citi pre-qual is very reliable. I get every mailer possible from them and when i go to the website it always changes their offers. I was once offered their lowest APR for simplicity and website gave me the highest APR offered....for me it changes all the time. 

[elim]

the pre-qual was from the website

5 new accounts that are 6 months old

inqs

TU 7

EX 1

EQ 3

tax lien

[Creditaddict]

I have always found the citi pre-qual online to be very reliable!

[elim]

---

@Creditaddict wrote:

I have always found the citi pre-qual online to be very reliable!

---

  what they pull for you?