Is the Citi Diamond Preferred Card hard to get? Yes, it is hard to get the Citi® Diamond Preferred® Card because it requires at least good credit for approval. Unless your credit score is 700 or higher and you have a lot of income, it will be difficult for you to get approved for the Citi Diamond Preferred.
Apply with a good to excellent credit score (a 670–850 FICO score or a 661–850 VantageScore) for your best chance to qualify for a Citi Diamond Preferred card. Apply with a good to excellent credit score (a 670–850 FICO score or a 661–850 VantageScore) for your best chance to qualify for a Citi Diamond Preferred card.
The credit limit on a Citi Diamond Preferred card is $500 or more, with some cardholders reporting $10,000+ starting credit limits. Citibank will determine your specific credit limit based on factors such as your credit history, annual income, and any debt you owe.
Citi® Secured Mastercard® is an option for customers with little or no credit history and can help you build your credit when used responsibly. Unlike a debit card, Citi® Secured Mastercard® is a real credit card that helps build your credit history with monthly reporting to all 3 major credit bureaus.
Based on FICO® Score 8 model.
The Discover it® Secured Credit Card is our pick for the easiest credit card to get with bad credit because it's designed for people with bad or limited credit. It comes with a $0 annual fee, great cash back rewards and a sign-up bonus in the form of a dollar-for-dollar match of cash back earned in your first year.
With a Citi credit card, like the Citi® Diamond Preferred® Card, Citi Premier® Card, or Citi® Double Cash Card, your minimum payment is equal to the full amount if your balance is under $41. If your balance is higher, you'll pay the greater of $41 or 1% of your balance plus interest and late fees.
The bottom line. The Citi Diamond Preferred is a solid balance transfer credit card option for those who want to avoid paying an annual fee.
You won't know your actual credit limit until you're approved for a Citibank credit card. The limit you get depends on your credit standing, income, and debt. However, you can always request a credit limit increase after you've made several months of on-time payments.
The Citi Diamond Preferred Card is not a suitable choice for cash back or rewards hunters. It won't help you get into a fancy airport lounge or provide you with cellphone coverage.
It's generally recommended that you have two to three credit card accounts at a time, in addition to other types of credit. Remember that your total available credit and your debt to credit ratio can impact your credit scores. If you have more than three credit cards, it may be hard to keep track of monthly payments.
Citibank mainly uses Experian to assess your creditworthiness when you apply for a credit card, though they may use TransUnion or Equifax instead, according to anecdotal evidence. So, if any of your credit reports are frozen, you should unfreeze them before applying for a Citibank credit card.
Terms may apply to offers listed on this page. The Citi® Diamond Preferred® Card is ideal for those with a good to excellent credit. With its lengthy 0% introductory APR period for balance transfers and no annual fee, it offers a solid option for responsible borrowers.
The most difficult Citi card to get is the Costco Anywhere Visa® Card by Citi, since it's their only consumer card that requires excellent credit to qualify. You also need to join Costco if you're not already a member and earn enough income to afford monthly payments on the card.
You might get instantly approved for the Citi Diamond Preferred card, especially if you applied online. But if the issuer needs to verify some of the information you submitted, it can take up to 7-10 business days to receive a decision.
Here's the average credit limit of members who matched their Citi® Diamond Preferred® Card or similar cards. The average credit limit for members who have matched with this card or similar cards is $8,395, with $3,000 being the most common.
In essence, the Diamond Preferred is likely ideal for balance transfers, while the U.S. Bank Visa Platinum is a good option for funding large, upcoming purchases.
If you are planning to apply for Citibank credit cards, make sure that you are at least 21 years old and have a minimum monthly salary of AED 5,000 or more. You must also ensure that you possess a good credit score.
Citi does not limit the number of cards you can have, but it does limit the number of cards you can apply for (and be approved) within a specific period of time. You can only apply for one card every 8 days, and no more than two over a 65-day period.
The payment cut-off time for online bill payments is midnight ET.
Apply for Credit Card Online & Get Instant Approval. ICICI Bank Credit Cards are tailored to suit your lifestyle and preferences, so that you can save as you spend. Enjoy exceptional benefits like entertainment discounts, lounge access, exclusive dining deals and fuel savings.
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