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  1. #1
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    Default Citi Diamond Preferred invitation?

    This is weird. I got a mail invite for this card today. I honestly didn't think I would be getting an invite for that card anytime soon based on what I've read about it on the forum.

    The really weird part is that the offer is for 9 months 0 APR on BTs and purchases, while on the citi website it's 18 months. What's with that? I definitely wouldn't get approved applying without the invite number but I just don't get the shortened benefits.

    FYI I like rewards which the Diamond Preferred card doesn't really have, so the only reason I am even interested is because it would be the lowest apr after the opening period on any of my cards. And it looks cool haha.
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  2. #2
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    Got the invite this past weekend too. Didn't notice how long was the 0% apr offer since I'm not really interested on the card, already threw it away.
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  3. #3
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    I got this too and the 0% period was 9 months versus 18 months for the online offer. The card was on my short list but 9 months for 0% balance transfer is too short for my needs. I'm still not sure whether to apply for this or Discover IT but I may need both if one doesn't extend enough credit. I want to make sure I use inquiries carefully (since I have none in the last year).
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    Im in the same boat, but i pulled the trigger on a mail offer for Discover more about a month ago and just switched it over to the IT. I love that card already but the limit isn't as high as i would like.

    I have a small balance on a chase card i could put on the Diamond Preferred if i get it but i could also pay it off in about two weeks so i dont really need a balance transfer card.

    I'm just thinking that maybe i should get it to get in the door with Citi as most say on here that they either do or dont like people. One extra inquiry isnt so bad and who knows, maybe eventually there will be a concert or sport event that i want to buy presale tickets to haha. Plus it wouldn't hurt to have a little more total credit.

    But im also eyeing the freedom and an amex. i just dont know if the amex is worth it because of their reported slacking on CS and everything and i dont have any AF cards yet. If i go though with all of this i would end up with 5-6 inquiries on my report so im hesitant.
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  5. #5
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    I only have two non-Amex cards and their limits are $20K and $25K. I'm hoping that Discover looks at this and gives me an appropriate limit instead of something like $5K but I won't know until I apply. But the Citi is on the list as well as a possible.

    I could ask for another Chase Slate or Freedom card since technically, I'm just an authorized user on my wife's Freedom and it's not my card (not sure how this works regarding approval).

    The Diamond Preferred have some interesting features over the Simplicity product but I'm not sure if it's enough for me to use long term versus the Freedom or BankAmericard Reward product we already have, or the Discover IT that I want.

    Finally, in reading the FAQ files on FICO over at myFico.com, they mention that regarding inquiries that 6 inquiries in a year (that aren't car, mortgage or student loan shopping) statistically means that the user is 8 times more likely to declare bankruptcy in twelve months. I'm don't think I want to be on that analytics report. I want to save one inquiry for later since I intend to refi my mortgage perhaps by Spring.
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  6. #6
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    Quote Originally Posted by CSMB View Post
    ...so the only reason I am even interested is because it would be the lowest apr after the opening period on any of my cards. And it looks cool haha.
    That's exactly why I have it.
    American Express Gold Premier Rewards, American Express Blue Cash Preferred, Citibank Diamond Preferred, Chase Card, Chase Freedom, PC Richard Credit Card
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  7. #7
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    Quote Originally Posted by Preferred Member View Post
    That's exactly why I have it.
    Do you use it or just your amex cards? Ever used it for the private pass benefits or concierge or anything? Just trying to get a feel for its actual benefits and usability or if all that stuff is pretty much fluff.
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  9. #9
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    Quote Originally Posted by CSMB View Post
    Do you use it or just your amex cards? Ever used it for the private pass benefits or concierge or anything? Just trying to get a feel for its actual benefits and usability or if all that stuff is pretty much fluff.
    I use the Platinum for Delta Sky Club access all the time since I travel for a living but am no longer on Delta's Diamond Status. I flew over 100 segments last year.

    I think I've used it for concert tickets once.

    And I use it in hotels on vacation (the few times I've gotten to take vacation recently). It's supposed to give you an automatic room upgrade.
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  10. #10
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    Quote Originally Posted by CSMB View Post
    Do you use it or just your amex cards? Ever used it for the private pass benefits or concierge or anything? Just trying to get a feel for its actual benefits and usability or if all that stuff is pretty much fluff.
    My Amex cards are used everyday. My Citibank Diamond Preferred card interest rate is really low so I use it for long term credit. I usually pay it off by the end of the year. Citibank has been really good to me the past ten years.
    American Express Gold Premier Rewards, American Express Blue Cash Preferred, Citibank Diamond Preferred, Chase Card, Chase Freedom, PC Richard Credit Card
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