"Approved!"
Citi® Platinum Select® MasterCard® Review
Written by: dunta on 2008-10-24
Overall Satisfaction
Customer Service
Rewards
Account Management
Delivery Time
dunta's review: 
I received two preapproved offers in the mail from Citi last week. One was for the diamond preferred card and the other was the cashreturns card. I read about both but I decided I want the more traditional card so I applied for the platinum select online yesterday. After I submitted my application I got some lame message that said we will let you know if you are approved within 30 days. I wasn't very happy about that, but today less than 24 hours later, CitI called to inform me that I was approved for a credit line of $6300. I should get the card within a week. Also, I don't know the annual percentage rate yet. My credit scores are 779.
I received two preapproved offers in the mail from Citi last week. One was for the diamond preferred card and the other was the cashreturns card. I read about both but I decided I want the more traditional card so I applied for the platinum select online yesterday. After I submitted my application I got some lame message that said we will let you know if you are approved within 30 days. I wasn't very happy about that, but today less than 24 hours later, CitI called to inform me that I was approved for a credit line of $6300. I should get the card within a week. Also, I don't know the annual percentage rate yet. My credit scores are 779.
11 Comments
Comment 1 by thomas1
CITI 
on 2008-10-24
Congrats on your approval with Citi! nice scores and nice CL, and you'll love them! I have 3 accounts with them, and they are tops with me.
Enjoy your new card!!
on 2008-10-24 Congrats on your approval with Citi! nice scores and nice CL, and you'll love them! I have 3 accounts with them, and they are tops with me.Enjoy your new card!!
Comment 2 by charonh
Congratulations!!! on 2008-10-24
Enjoy your card! Citi is an excellent bank in my opinion. Awesome score, I can't wait until I grow up, I want to be just like you.
on 2008-10-24 Enjoy your card! Citi is an excellent bank in my opinion. Awesome score, I can't wait until I grow up, I want to be just like you.
Comment 3 by colonative
Congratulations on 2008-10-24
Citibank is a good bank; they do almost anything for their good cardholders.
Enjoy.
on 2008-10-24 Citibank is a good bank; they do almost anything for their good cardholders.Enjoy.
Comment 4 by arod
Citibank on 2008-10-25
I have 3 cards from them I really like Citibank its worth having and If you can get it now try later because the will work with you no matter what so I really love Citibank and they give good credit lines and rewards.
Congrats on your card approval.
Alex
on 2008-10-25 I have 3 cards from them I really like Citibank its worth having and If you can get it now try later because the will work with you no matter what so I really love Citibank and they give good credit lines and rewards.Congrats on your card approval.
Alex
Comment 5 by meya
Way To Go on 2008-10-25
Congrats on the new card, keep us posted with your over usage of the card.
on 2008-10-25 Congrats on the new card, keep us posted with your over usage of the card.
Comment 6 by dunta
Ty on 2008-10-28
Thank you everyone. I plan on using this card as a backup to my Amex Blue Cash and Discover More card. As you all know those two are not as widely accepted so this Citi card should give me a good security blanket.
on 2008-10-28 Thank you everyone. I plan on using this card as a backup to my Amex Blue Cash and Discover More card. As you all know those two are not as widely accepted so this Citi card should give me a good security blanket.
Comment 7 by thomas1
CITI on 2008-11-02
CitI will end up being your most used card, and they will reward you for it in about 6 months.
on 2008-11-02 CitI will end up being your most used card, and they will reward you for it in about 6 months.
Comment 8 by dunta
APR on 2008-11-22
The terms of the card are great. 0% for 12 months on purchases. After that, it's the prime rate + 3.49%.
on 2008-11-22 The terms of the card are great. 0% for 12 months on purchases. After that, it's the prime rate + 3.49%.
Comment 9 by silva1
Not Sure on 2008-12-20
I just applied for this card yesterday and they said that they will contact me in 10 days, I have EQ 661 TU 642 EXP 705. What are my chances?
on 2008-12-20 I just applied for this card yesterday and they said that they will contact me in 10 days, I have EQ 661 TU 642 EXP 705. What are my chances?
Comment 10 by thomas1
CITI PLATINUM SELECT on 2008-12-20
Hi Silva1. Don't think you've been denied. Citi sometimes does this like the others. For some reason, the system could not auto approve your application.
What this means is that Citi needs to take a manual look into your report information. Something in your reports may need to be evaluated, thus casusing the 10 day response. This happens all the time. Your scores look good.
Do you have several inquiries or new tradelines on your report? It could just be a system thing, but don't worry.
I know its tough to get the 10 day response, but I have my fingers crossed for you. This will be a nice card to have, and you will love Citi!
Keep us informed when you hear from them, and Good Luck!!
on 2008-12-20 Hi Silva1. Don't think you've been denied. Citi sometimes does this like the others. For some reason, the system could not auto approve your application. What this means is that Citi needs to take a manual look into your report information. Something in your reports may need to be evaluated, thus casusing the 10 day response. This happens all the time. Your scores look good.
Do you have several inquiries or new tradelines on your report? It could just be a system thing, but don't worry.
I know its tough to get the 10 day response, but I have my fingers crossed for you. This will be a nice card to have, and you will love Citi!
Keep us informed when you hear from them, and Good Luck!!
Comment 11 by charonh
Can't Help With This One! on 2008-12-21
Each time I was approved for any Citi account, it was always an instant decision. Of course the ten day message does not automatically mean decline. Good luck, I hope it works in your favor.
on 2008-12-21 Each time I was approved for any Citi account, it was always an instant decision. Of course the ten day message does not automatically mean decline. Good luck, I hope it works in your favor.
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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.
