"Suprisingly Low APR"
Citi® Diamond Preferred® Card Review
Written by: majtykamadness on 2011-06-21
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majtykamadness's review: 
I have received a couple notices in the mail as pre-approved so I figured what the heck. I went online and applied and was instantly approved for $8K. They pulled Experian and mine was 707. My APR was 11.99% after 21 months of 0% on purchases and transfers. Going to transfer my Lowe's, Sams Club and Walmart cards to this one.
I have a very good mix of credit, including `07 mortgage, several car leases and credit union loan in `10. Discover(5K CL), Amex (25K CL), and a couple store cards as well.
I filed BK in `03 due to divorce and am proof that if you pay pay your bills on time and have patience you can turn it around.
I have received a couple notices in the mail as pre-approved so I figured what the heck. I went online and applied and was instantly approved for $8K. They pulled Experian and mine was 707. My APR was 11.99% after 21 months of 0% on purchases and transfers. Going to transfer my Lowe's, Sams Club and Walmart cards to this one.I have a very good mix of credit, including `07 mortgage, several car leases and credit union loan in `10. Discover(5K CL), Amex (25K CL), and a couple store cards as well.
I filed BK in `03 due to divorce and am proof that if you pay pay your bills on time and have patience you can turn it around.
4 Comments
Comment 1 by wanderer
Re: Suprisingly Low APR 
on 2011-06-21
Congratulations! Great CL and APR (Citi's best rate). Thanks for showing us there is a road back in credit. You do have the right mix for credit.
on 2011-06-21 Congratulations! Great CL and APR (Citi's best rate). Thanks for showing us there is a road back in credit. You do have the right mix for credit.
Comment 2 by kdb030609
Congratulations! on 2011-06-21
Congrats on a job well done! Nice CL and APR & Score. It appears you've done well since your BK in 03.
on 2011-06-21 Congrats on a job well done! Nice CL and APR & Score. It appears you've done well since your BK in 03.
Comment 4 by sethatco
Re: Suprisingly Low APR on 2011-06-25
For citi that is not a bad rate at all. I've had the card since 08 my rate still stands at 8.49% on the diamond as for my citi amex which used to be a diamond amex, now converted to a thank you amex im 10.25%. I think citi goofed when they did the card changes because even with a tier 1 credit score I am still well below the normal apr's
Congrats on the approval and nice starting limit!
on 2011-06-25 For citi that is not a bad rate at all. I've had the card since 08 my rate still stands at 8.49% on the diamond as for my citi amex which used to be a diamond amex, now converted to a thank you amex im 10.25%. I think citi goofed when they did the card changes because even with a tier 1 credit score I am still well below the normal apr'sCongrats on the approval and nice starting limit!
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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.
