Citi Diamond Preferred MC: Any thoughts?

Discuss the Visa & MasterCard payment networks as well as cards that operate through them.
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Celestine
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Citi Diamond Preferred MC: Any thoughts?

Postby Celestine » Sat Feb 04, 2012 2:42 pm

Hello everyone.

Any thoughts on the Citi Diamond Preferred Mastercard? I have been receiving the invitation for the last six months but have been ignoring it.

That is due to the fact that the cards I have are AMEX and Mastercard. I already closed down my VISA card (Capital One) due to skyrocketed APR. And... I'm thinking to get a VISA card just in case I encounter an establishment that only accepts VISA card.

Is Citi Diamond Preferred MC a good card? I have been using a Household card MC to supplement my AMEX card.

Have been thinking of getting either the Citi Dividend Platinum VISA card or Citi Platinum Select VISA card.

What does everyone think? Opinions?
"Nearly all men can handle adversity, but if you really want to test a man's character - give him power." - Abraham Lincoln


Money card
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Postby Money card » Sat Feb 04, 2012 9:25 pm

You won't find a decent establishment that only takes Visa, for a very good establishment those places will take Mastercard, in addition to Visa.

From what I hear the Citi Dividend is a really good card. I really don't know too much about the card but you can do this, try it out for a year if you don't like, if it's not the card for you just pick up the phone and tell them you want to cancel it., but from what I hear the Citi card is a very good card.

I'm not to familiar with the Diamond card, I'm not sure if there's even an annual fee on this card. To me it looks more like an executive card, a higher level, but I'm not sure.

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PlatinumAMEX94
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Citibank

Postby PlatinumAMEX94 » Sun Feb 05, 2012 2:15 pm

Celestine wrote:Hello everyone.

Any thoughts on the Citi Diamond Preferred Mastercard? I have been receiving the invitation for the last six months but have been ignoring it.

That is due to the fact that the cards I have are AMEX and Mastercard. I already closed down my VISA card (Capital One) due to skyrocketed APR. And... I'm thinking to get a VISA card just in case I encounter an establishment that only accepts VISA card.

Is Citi Diamond Preferred MC a good card? I have been using a Household card MC to supplement my AMEX card.

Have been thinking of getting either the Citi Dividend Platinum VISA card or Citi Platinum Select VISA card.

What does everyone think? Opinions?


I have been with Citibank for years and they have always been a great credit card. I have had the Platinum Select, Dividend Platinum, the Diamond, and now the Thank You card. Citibank likes to switch your account/card around. When I inquired as to why, they stated that I no longer belonged in that credit group, kind of like car insurance. I have never utilized any of their services (concierge, roadside, etc) as I have always used American Express for those things. One thing that Citibank has over American Express is a buyer's protection, so if you find the same product cheaper within 60 days they reimburse you the difference (not on all their cards, Thank You is one of them).

I primarily used Citibank over the years to bounce balance transfers around in the early 90's. Back then you could never pay any interest if you played your credit cards right. I found that their customer service/balance transfer department were always really helpful when I'd call in the middle of the night and they were bored waiting for customers. And asking them how THEY are doing, actually made a difference. Go figure. You be nice to them, and they turn around and be nice to you.
American Express Platinum Personal, Member since 94
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Bank of America 10k, Capital One Venture World MasterCard 7.5k, Fidelity Visa Signature 10k
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Celestine
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Postby Celestine » Tue Feb 07, 2012 12:01 am

Thanks everyone for the responses.
"Nearly all men can handle adversity, but if you really want to test a man's character - give him power." - Abraham Lincoln

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Postby 2percentPlus » Sat Feb 18, 2012 2:49 am

I have the card and although I don't currently use it because there are no rewards, or maybe there are some type of thank you points that probably aren't a good deal, the card was always very good for me. They gave me a pretty good initial credit limit, ~$20k, and routinely increased it without asking. I used it mainly for a balance transfer about 4 years ago, I'm not sure if it was called Diamond then or not. I don't usually pay interest, but the card has a pretty low interest rate for whatever reason, <6%.

Citi was easy to deal with and unlike BoA which used to deny transactions almost daily, now maybe once every week or two, Citi always put charges through and if there was a problem my cell would ring before I was done paying.

The Citi Diamond black card looks great, and I prefer MC over Visa as there are a very few places that don't take Visa. I like using BoA a lot more though because pending transactions appear immediately, the accounts are in line with my checking accounts, and payments are easy although still take 1-2 days which I find ridiculous.

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Postby Celestine » Thu Feb 23, 2012 11:55 pm

2percentPlus wrote:I have the card and although I don't currently use it because there are no rewards, or maybe there are some type of thank you points that probably aren't a good deal, the card was always very good for me. They gave me a pretty good initial credit limit, ~$20k, and routinely increased it without asking. I used it mainly for a balance transfer about 4 years ago, I'm not sure if it was called Diamond then or not. I don't usually pay interest, but the card has a pretty low interest rate for whatever reason, <6%.

Citi was easy to deal with and unlike BoA which used to deny transactions almost daily, now maybe once every week or two, Citi always put charges through and if there was a problem my cell would ring before I was done paying.

The Citi Diamond black card looks great, and I prefer MC over Visa as there are a very few places that don't take Visa. I like using BoA a lot more though because pending transactions appear immediately, the accounts are in line with my checking accounts, and payments are easy although still take 1-2 days which I find ridiculous.


Thanks for the input!
"Nearly all men can handle adversity, but if you really want to test a man's character - give him power." - Abraham Lincoln

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Postby Moneytalks » Fri Apr 27, 2012 6:42 pm

I'm thinking of getting this card in addition to the citi dividend, thank you all for the info!!!
Wallet: Amex BCE & Chase Freedom. (Credit Card dieting since 2014)

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Postby JCarter » Sat Apr 28, 2012 11:56 am

Money card wrote:You won't find a decent establishment that only takes Visa, for a very good establishment those places will take Mastercard, in addition to Visa.


You Sir have failed to realise how many establishments stop accepting MasterCard during the Olympics (at the host city). Visa pays a good sum of money to the IOC in order to accomplish this.

irvine801
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Postby irvine801 » Sat Apr 28, 2012 7:39 pm

Sooo... This is going to sound dumb. Does my mastercharge offer a concierge service..? I only got this card for a bt offer.
-American Express Zync.
-Discover IT. 4.5k limit 7.99%
-MC Citi diamond preferred. 1500 limit
-Visa Chase freedom. 2k limit.(23.24%, NOT IN USE)
-Miles by discover 1.5k limit.7.99%
-Best buy store card. 1500 limit
-Mt. America visa 1k limit

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Postby CC Deville » Sat Apr 28, 2012 9:30 pm

irvine801 wrote:Sooo... This is going to sound dumb. Does my mastercharge offer a concierge service..? I only got this card for a bt offer.


According to their website, yes:

Personal Concierge Service
You can access your concierge services through VIP desk by either calling 1(800) 741-5359 or visiting https://citidiamondpreferred.vipdesk.com. Program details will be provided upon cardmembership.



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