"Citi Platinum Select Master Card"
Citi® Platinum Select® MasterCard® Review
Written by: wanderer on 2009-06-07
Overall Satisfaction
Customer Service
Rewards
Account Management
Delivery Time
wanderer's review: 
Impressed with the easy Finance Globe online application process. Immediate online approval. FICO Scores are EQ 704 TU 715 EX 709 Vantage 761. Initial approval was for an APR of 14.99% on purchases. No rewards. Note this is my first online credit card approval with a major bank since the BK! Yahoo...!!! BK has kept me to other less prime credit cards and secured cards from the majors. Also my credit record is spotless since BK and I PF most months to keep utilization under 10%. Finally a chance to move back into the real credit world. It has been over seven years since the BK. It's about time! WOW...!!!
Impressed with the easy Finance Globe online application process. Immediate online approval. FICO Scores are EQ 704 TU 715 EX 709 Vantage 761. Initial approval was for an APR of 14.99% on purchases. No rewards. Note this is my first online credit card approval with a major bank since the BK! Yahoo...!!! BK has kept me to other less prime credit cards and secured cards from the majors. Also my credit record is spotless since BK and I PF most months to keep utilization under 10%. Finally a chance to move back into the real credit world. It has been over seven years since the BK. It's about time! WOW...!!!
6 Comments
Comment 1 by lobsterboy
Congrats! 
on 2009-06-07
I was getting ready to apply for this card as I have read in the forums it is a good one for med credit scores. I have an EQ FICO of 806 and an EX of 763 and TU of 707 and I think Citi pulls EX correct? What was your highest credit line at time of app and what was your oldest account? This is a great forum to share app info and get the info BEFORE you apply!
congrats,
Ken
on 2009-06-07 I was getting ready to apply for this card as I have read in the forums it is a good one for med credit scores. I have an EQ FICO of 806 and an EX of 763 and TU of 707 and I think Citi pulls EX correct? What was your highest credit line at time of app and what was your oldest account? This is a great forum to share app info and get the info BEFORE you apply!congrats,
Ken
Comment 2 by wanderer
Citi Platinum Select Master Card on 2009-06-07
Highest credit line is $13,500. They pulled from Experian. I just reviewed all three bureaus and the only hard pull was EX. Oldest account is 1987. Note, I looked it up and different websites say the credit standard for this card is good to excellent and then I see fair. FG says 670 FICO points. Your scores should stand the test if the rest of your report is what Citi Bank is looking for you are likely good to go. I couldn't help myself so at 2:30 am CDT 060709 I just had to chance the online application for a real major bank credit card that was not secured. This is my first such approval and it feels GREAT!
on 2009-06-07 Highest credit line is $13,500. They pulled from Experian. I just reviewed all three bureaus and the only hard pull was EX. Oldest account is 1987. Note, I looked it up and different websites say the credit standard for this card is good to excellent and then I see fair. FG says 670 FICO points. Your scores should stand the test if the rest of your report is what Citi Bank is looking for you are likely good to go. I couldn't help myself so at 2:30 am CDT 060709 I just had to chance the online application for a real major bank credit card that was not secured. This is my first such approval and it feels GREAT!
Comment 3 by lobsterboy
Highest Line on 2009-06-07
!3,500 is quite a high line after reading your previous posts. Is that an AU account? Auto financing?
In my case all my old and large trade lines are off my reports and I canceled my old large limit accounts 10 years ago and have now a 10 year history and 3 open cards perfect pay 2-3 years but only 500 limit as that's all I wanted after being hacked twice and having to cancel and then get new cards. I have since eliminated my security leak (computer geek kid neighbor
13,500 shows a lot in the history.
on 2009-06-07 !3,500 is quite a high line after reading your previous posts. Is that an AU account? Auto financing?In my case all my old and large trade lines are off my reports and I canceled my old large limit accounts 10 years ago and have now a 10 year history and 3 open cards perfect pay 2-3 years but only 500 limit as that's all I wanted after being hacked twice and having to cancel and then get new cards. I have since eliminated my security leak (computer geek kid neighbor
13,500 shows a lot in the history.
Comment 4 by wanderer
Citi Platinum Select Master Card on 2009-06-07
The $13,500 is an individual bank credit card account from a major bank with 12.24% apr purchases and 19.24% cash apr. I do NOT do authorized user or joint accounts.
on 2009-06-07 The $13,500 is an individual bank credit card account from a major bank with 12.24% apr purchases and 19.24% cash apr. I do NOT do authorized user or joint accounts.
Comment 5 by mrrob
Way To Go on 2009-06-08
Congrats on obtaining this card. Your headed in the right direction
mrrob
on 2009-06-08 Congrats on obtaining this card. Your headed in the right directionmrrob
Comment 6 by eugene66
Congrats! on 2009-06-10
I've had this card for three months and it has been awesome!!!
on 2009-06-10 I've had this card for three months and it has been awesome!!!
Please login or register for free to view your stats, add reviews and card application results, or post comments.
Credit card reviews and comments are posted by user submission and do not warrant the opinions of Finance Globe.
Disclaimer: This content is not provided by Citibank. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Citibank. Review content is powered by Finance Globe.
Disclaimer: This content is not provided by Citibank. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Citibank. Review content is powered by Finance Globe.
