Check your pre-approval for Citi credit card

Discuss the Visa & MasterCard payment networks as well as cards that operate through them.
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bmw1990Z
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Check your pre-approval for Citi credit card

Postby bmw1990Z » Fri Jun 08, 2012 1:15 pm

I have a Citi Forward student card (1 yr old) and just got approved for a gold Delta Amex Skymiles yesterday...5k limit. Is there a way from the Citi website to see if you are pre approved for other Citi cards? Similar to how Amex does softpulls to see if you qualify for other cards (hp if you're approved...)?
Cards in my wallet:
-Citi Forward Card for College Students-July 2011
-American Express Platinum Delta Skymiles--July 2013


LKGG18
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Postby LKGG18 » Mon Jun 18, 2012 4:54 am

They don't have any soft pulls to what I was told. I normally get their offers in the mail though.

randeman
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Postby randeman » Mon Jun 18, 2012 8:28 pm

I have a friend that is a branch exec at Citibank. He said since I have checking, savings, and an overdraft protection account, he can check in a couple of months to see if I qualify for one of their cards. My feeling is, if you bank with Citibank as well a branch manager should be able to tell you what you qualify for as well. If you don't bank with them, I don't know if they can check or not. Worth a call to a branch or their credit office and ask.
Cards and Credit lines Acquired:

Escape by Discover (7.75K), Barclay Holland America Visa (7K), Macy's store card (7K), Bloomingdale's store card (2.6K), Citi Custom Credit Line (3.5K), PayPal Smart Connect credit line (2.7K), Chase Freedom Visa (5K), Chase United MileagePlus Visa (5K), Chase Sapphire Preferred Visa (6K), Amazon store card (2.2K), Lord & Taylor store card (550), Nordstrom store card (1500), Gold Delta SkyMiles from American Express (3K), Discover It (6.5K), PayPal Credit Line (1K).


bmw1990Z
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Postby bmw1990Z » Wed Jun 20, 2012 6:37 am

It's all good. I just posted this because I was thinking about applying for the American Airlines Visa Signature card because I got an offer in the mail and thought that because I already have a card with them, I'd have a better chance at approval. Instead I decided to apply to Amex Gold Delta card because I like the signup bonus and live in a Delta hub anyway, got approved.
Cards in my wallet:

-Citi Forward Card for College Students-July 2011

-American Express Platinum Delta Skymiles--July 2013

Ratfacedudeguy
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Postby Ratfacedudeguy » Wed Jun 20, 2012 10:49 am

randeman wrote:I have a friend that is a branch exec at Citibank. He said since I have checking, savings, and an overdraft protection account, he can check in a couple of months to see if I qualify for one of their cards. My feeling is, if you bank with Citibank as well a branch manager should be able to tell you what you qualify for as well. If you don't bank with them, I don't know if they can check or not. Worth a call to a branch or their credit office and ask.


All a branch associate can do is offer a speculative recommendation based on limited information and their knowledge of their institution's underwriting policy. At the end of the day though, their "pre-approval" may only hold as much weight as one of those mail-in preapproved offers that clutter up the mailbox. So yes, he can give you a recommendation, but if the loan processing center doesn't like what they see you're SOL. That's not to say that branch staff has no say whatsoever, but the decision to extend a loan is just not their decision to make.
Amex Green - NPSL - 05/12
Amex Zync - NPSL - 06/12
Discover it - $7750 - 11/12
Chase Sapphire Preferred Visa Signature - $5000 - 11/12
SECU Platinum Visa - $5000 - 08/08
Bank of America Cash Rewards Platinum Plus Visa - $3000 - 06/08
Citi Diamond Preferred Mastercard - $3000 - 05/12
GECRB Old Navy Visa - $2500 - 11/12
Chase Amazon Visa - $2000 - 11/12
Chase Freedom Visa - $2000 - 07/12
Citi Thank You Visa - $1000 - 06/12
Amex Blue Cash Everyday - $1000 - 01/13

MemberSince99
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Postby MemberSince99 » Wed Jun 20, 2012 7:02 pm

"Pre-approval" is truly marketing nonsense. I've been turned down after applying for several cards I was "pre-approved" for. It doesn't mean anything in most cases except you fit a demographic they are marketing to and your scores indicate you might get approved. That's it. It's no different than if you go and apply out of the blue.

bmw1990Z
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Postby bmw1990Z » Thu Jun 21, 2012 2:12 pm

MemberSince99 wrote:"Pre-approval" is truly marketing nonsense. I've been turned down after applying for several cards I was "pre-approved" for. It doesn't mean anything in most cases except you fit a demographic they are marketing to and your scores indicate you might get approved. That's it. It's no different than if you go and apply out of the blue.


I think you were denied for other cards because of all the cards you have/have applied for.
Cards in my wallet:

-Citi Forward Card for College Students-July 2011

-American Express Platinum Delta Skymiles--July 2013



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