Citibank credit card requirements? (platinum select mastercard)

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christianllv
 
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Citibank credit card requirements? (platinum select mastercard)

Postby christianllv » Sun Mar 27, 2011 6:37 pm

Hello this is a very nice forum. I would like to ask you this.

  • I got my preowned car on august 2010 with wells fargo, i'm always paying on time my car payments, my outstanding auto loan is $9000.
  • I just have a balance of $500 in my capital one mastercard (credit line of $2000).
  • I also have an orchard bank with $1100 no balance and direct rewards discover by hsbc with $300, they never increase my credit line.
I just applied ONLINE for a Citibank Platinum Select Mastercard on Sunday the 27th or March. I got a message saying thank you for applying for Citicards and we need further processing..... In the past around 6 months ago I applied for another credit card with citibank and they rejected me so I don't know if it's going to be the same this time.

My credit score in the 3 credit bureau is 715.

Can somebody tell me if I meet Citibank's credit card requirements and if I will get approved? Thanks


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Mogul of Pineapples
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Postby Mogul of Pineapples » Mon Apr 11, 2011 1:57 pm

On most credit card applications it says if that you cannot apply if that issuer/bank has denied you during the prior 6 months. You said around 6 months, can you confirm whether there was more than 180 days between applications?
Disclosure: I am a moderator/paid staff of this site, which does have advertising relationships with some credit cards that are discussed and linked to. Regardless, anything I say is my honest opinion.

Current Cards:
American Express: Blue Cash, Simply Cash Bank of America: WorldPoints Platinum Plus Chase: Amazon, British Airways, Cash Plus Rewards, Freedom, Ink Cash Citi: Thank You Premier, Dividend Platinum Select Discover: More
Primary Everyday Card: American Express Blue Cash
Primary Travel Card: Chase Sapphire Preferred

citizensoldier
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Postby citizensoldier » Sun May 29, 2011 4:14 pm

I am not claiming Citi is subprime but I do have friends with crappy credit that manage to get them. That might explain why taxpayers had to bail out Citi a couple years back.


Meltdownblitz
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Citi card requirements?

Postby Meltdownblitz » Tue Aug 02, 2011 10:15 pm

I'm looking into applying for a citi thank you preferred to take advantage of the gas offer Anyone know the requirements or credit score range and inquires for this card?

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Mogul of Pineapples
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Postby Mogul of Pineapples » Wed Aug 03, 2011 12:25 am

Hey Meltdownblitz, fortunately some of the Citi credit cards can be easier to get than Chase or American Express and definitely easier than Discover.

Their more premium cards like Dividend World and Thank You Premier do indeed require better credit scores, probably comparable to an AmEx Gold. However the lower tier cards like Platinum Select (the version without rewards) and the Thank You Preferred you mentioned, now those seem to be easier to qualify for. Members on here have reported getting approved for them with scores in the mid-high 600's.

Which of the offers were you planning on applying for? There are actually 2 different Citi Thank You Preferred card offers available right now.
Disclosure: I am a moderator/paid staff of this site, which does have advertising relationships with some credit cards that are discussed and linked to. Regardless, anything I say is my honest opinion.

Current Cards:
American Express: Blue Cash, Simply Cash Bank of America: WorldPoints Platinum Plus Chase: Amazon, British Airways, Cash Plus Rewards, Freedom, Ink Cash Citi: Thank You Premier, Dividend Platinum Select Discover: More
Primary Everyday Card: American Express Blue Cash
Primary Travel Card: Chase Sapphire Preferred

Meltdownblitz
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Postby Meltdownblitz » Wed Aug 03, 2011 12:38 am

Mogul of Pineapples wrote:Hey Meltdownblitz, fortunately some of the Citi credit cards can be easier to get than Chase or American Express and definitely easier than Discover.

Their more premium cards like Dividend World and Thank You Premier do indeed require better credit scores, probably comparable to an AmEx Gold. However the lower tier cards like Platinum Select (the version without rewards) and the Thank You Preferred you mentioned, now those seem to be easier to qualify for. Members on here have reported getting approved for them with scores in the mid-high 600's.

Which of the offers were you planning on applying for? There are actually 2 different Citi Thank You Preferred card offers available right now.


Wow that's a relief. On myfico and a bunch of other credit sites say that citi cards require 700 at least to qualify so I wasn't sure. I was wanting to take advantage of the 5x points for gas, drugstores, etc. I'm in need of a gas card, not feeling too confident about applying for the pen fed gas card so I'm guessing the second best all around gas card is the thank you preferred? But thanks a lot for the response.

Meltdownblitz
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Postby Meltdownblitz » Sat Aug 06, 2011 2:43 pm

Mogul of Pineapples wrote:Hey Meltdownblitz, fortunately some of the Citi credit cards can be easier to get than Chase or American Express and definitely easier than Discover.

Their more premium cards like Dividend World and Thank You Premier do indeed require better credit scores, probably comparable to an AmEx Gold. However the lower tier cards like Platinum Select (the version without rewards) and the Thank You Preferred you mentioned, now those seem to be easier to qualify for. Members on here have reported getting approved for them with scores in the mid-high 600's.

Which of the offers were you planning on applying for? There are actually 2 different Citi Thank You Preferred card offers available right now.


I was shocked, I got declined after reviewing my account, not auto decline. Weird how I was declined in the 700 scores but yet Amex and discover accepted me. Oh well I'm not to bummed. I wasn't too sure that I wanted that card anyway.


kimwa
 
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Postby kimwa » Sun Aug 07, 2011 10:41 pm

I applied for the Citi Thank You card about a week ago and received my declined letter yesterday. The letter said I have a credit score of 971 and the range of credit scores are from 0-999. I am pretty close to perfect. The reason for the decline: not enough credit references. I'm thinking theres not much of a chance for anyone to get approved for that card.

Meltdownblitz
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Postby Meltdownblitz » Sun Aug 07, 2011 11:33 pm

kimwa wrote:I applied for the Citi Thank You card about a week ago and received my declined letter yesterday. The letter said I have a credit score of 971 and the range of credit scores are from 0-999. I am pretty close to perfect. The reason for the decline: not enough credit references. I'm thinking theres not much of a chance for anyone to get approved for that card.


Haha funny cuz they gave me the exact same thing although my score was 950 on their scale. Weird how they do the approvals on that. I'm gonna recon tomorrow, if that fails I'm gonna see if I can qualify for the citi forward using the same inquiry if that's possible.

ooxs
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Postby ooxs » Sat Aug 20, 2011 7:12 pm

I never had any luck with citi. The last time i applied they requested copies of my W-2 which i sent them but got denied again. Without applying one cold Saturday morning while opening my mail, they sent me a credit card with an offer if i activated the card.



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