17 Things About Citibank Before You Apply For Credit Cards 2023

In this video I cover 17 or more things about Citibank consumer and business credit cards that you need to know before applying.

Click the join button if you want early access, exclusive videos and more with the Wallet Monkey Club!

Wallet Monkey Weekly Email:

FREE Wallet Monkey Discord:

All The Things:

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
// CONTACT 📧

#creditcards #walletmonkey #citibank

[johnmckinstry]

In December 2022, I applied for the Citi Custom Cash and they pulled my Equifax credit report. I live in Pennsylvania. As of now, I have not yet been given a credit limit increase, but they did start me out at $6, 900, which I think is pretty good. Also, I have heard data points that suggest Citi cardholders can product change from a co-branded card to a Citi ThankYou points card.

[jeromealode]

Got approved 10 days ago for the Diamond preferred 6.8k. They pulled Equifax in SoCal. Score was 660 due to 60% usage. This is my second ever personal cc after 2years on Wells Fargo platinum 3k limit. 3 inquiries
Before this I was denied about a year ago for the Costco business, but I think it’s because I missed their call and never called back. Same thing happened this time but I was able to call back. They tend to wanna have you over the phone before they approve, so make sure to lookout for that.

[santanarreeaall]

I got approved over the phone in like 49 seconds is that normal ? It says my card is coming in 5/10 business days .this is the regular checking account by the way

[mace]

Received 6k costco card today 6/17/23 at costco, after declines 4 times for this card, score 787, 7 equifax inquiries in last yr, 39 in last 2 years. utilization 1 percent. I have shell citi card for 2.5 years in good standing. Shell was easy, had 56 inquiries and 742 score at the time with 2% utilization. Not too interested in bank cards, prefer credit unions, but the Costco fuel at a quarter a gallon lower than everybody else but Sam's with 4 percent cash back is a good deal to not take advantage. Live in GA, so Equifax is pulled.

[ridleyjoseph]

All these gems you give you should be a jeweler !!

[Black____]

I was “guaranteed approval” for citi custom cash on credit karma, and of course was skeptical. I was pre approved for nothing on citi website. Decided to go for it and was approved for $7, 600. Pulled Experian here in Cali…Was hoping for a larger limit, but I’ll take it.
Need to look up they’re increase rules. Hard or soft pull, and when is it safe to request one

[SledgeIncTeam]

Recently approved for my 30th open credit card account but.... Citi denied me for AA card for having to many recent accounts. They pulled Equifax

[MrsDiamond]

I keep receiving no pre approval offers but I keep getting preselected mailers for the American advantage weekly in the Mail. Definitely not applying anytime soon 😂😊

[floridaproductions]

Another great informative video. Thanks 🎖️

[justmcclend]

Can you explain the 6 inquiries over a rolling 6 month period?

[alolansandshrew]

When I do the pre-qual page and submit my information, I keep getting "This page is temporarily unavailable. Please try again." 🤷‍♂

[KD-nkht]

It is one thing to have an accent.

It is one thing to have a heavy accent.

I have no issue with either.

But when I cannot understand ONE GODDAMN WORD the Citibank customer service representative is trying to say, that is problematic.

They should have at least 2% proficiency in English in order to be hired to purport to provide customer service in English.

Expecting that standard is more than reasonable.

[SterlingSigurdsen]

Does Citibank use the vantage score when pulling from trans union and equifax or a fico score

[CrazyAboutCandles]

Quick question so with their 24 month rule with sign up bonuses does that transfer to cards in the same card family? Like if I get the Citi premier do I need to wait 2 years to get the sign up bonus on the Citi rewards plus? Or same scenario with the Citi double cash and Citi custom cash? The wording on their website is really confusing lol.

[johnwong]

Citibank does not provide much benefits for long time. I go with Chase which have much more benefits.

[Embrxceyourdemons]

Applied today. $36k annual income. $1800 non taxable due to military compensation. Second credit card. First one was discover with $3k limit about 600 on that card at the time of application. Denied. Also authorized user on dads account with great history. Disappointed to say the least. Will update once I get decision letter

[shawn.credit]

Their Citi Mobil gas, Citi Shell MC, Home Depot cards have different underwriting and are easier to obtain.

[LaToya_C.]

Recently tried to apply for the Personal Diamond preferred. Going for that 0% intro apr. Live in Florida. I was hoping they would pull Equifax, but they attempted Experian. I have Experian locked down because too many inquiries over there right now. They even sent me text stating if I unlock my Experian, I can come back and finish the application. But, don't want to do that right now, so I'll pass.

[omare]

Does anyone knows if citi business cards reports to personal credit?

[eelfood]

Working my way towards an AAdvantage card. 💪🏽 GS cards looks better than Citi’s to me so far.