In one week, I've received pre-approved gas card invitations from Citgo & Amoco, both of which are issued by Citibank(South Dakota), NA.
Great...I really don't need another gas card, but would like to get a Citibank Gold or Platinum credit card.
I have a prior CO with Citibank and haven't applied because it has been posted that they maintain a blacklist. But why have they been sending these other pre-approvals? Do you think I may have a chance at getting a Gold or Platinum card. If so, which of their many products may be easiest to get with a prior CO?
I don't know if this will help or not but here is our "Citi-story".
We got those pre-approved gas card offers back when they still showed as being from Associates (right at a year ago.) We took them and were given lines of $400 - $800. After 3-4 months we got a preapproved offer for a Phillips 66 Mastercard. Took it and got a $750 credit limit.
At that time we were showing a $575 charge off with Citi from 1996 which was reporting on Experian.
In November, we faxed a goodwill adjustment request to Citi and asked if we could pay the $575 and have the account reinstated or if they would note it as paid as agreed. (Or if there was anything else we could do to put us in good standing with Citi.) We referenced the gas cards which were by then Citi accounts and the excellent payment history on those and with all of our other creditors in the meantime.
They responded about a week later and indicated they were deleting the tradeline entirely. (Didn't ask us to pay anything.)
A couple of months later we did the BDD online and got a Platinum Select with a credit line of $17500.
Just today I requested an APR reduction and got 9.65. We have since also gotten $8000 in additional tradelines with Citi since getting the Platinum Select. (We've only had it since January, and horror of horrors had to do a chargeback on a $3600 online purchase which they handled for us with no problem.)
Needless to say, we think the folks at Citi are the greatest thing going.
If those little gas cards allow you to get your foot in the door, I would highly recommend them. Those little nothing cards worked wonders for us!
I got pre-approval offers for Shell Credit Card from Associates National Bank (curently Citibank SD, NA). They approved me for $600 for purchases and $100 for cash advances limit. They didn't pulled any credit report and they just mailed me the card.
Thanks for all of the info. I may give it a try and apply for a Citibank Platinum card after I get the gas cards.
Come to think of it, Citibank just dominates the market. I have an WaMu credit card which is/was issued buy The Associates, but now is owned by Citibank. I also have a Bailey, Banks, & Biddle credit card that is now issued by Citibank, because they bought out the previous issuer.