Approved for Citi Dividend Credit Card

Author: Rhin0
Joined: 23 Nov 2004
Posts: 17
Posted: Wed Nov 24, 2004 6:13 pm
Post subject: Good news - I was approved for Citi Dividend card!

hey everyone, Just wanted to say that I was approved online for the Citi Dividend card. I was only given an initial limit of $2,300 which sucks because I needed to make a 5k purchase. Don't know why the limit is so low... CAN'T A GUY GET HIMSELF INTO DEBT THESE DAYS. They said it was probably due to my limited credit history and the small accounts that I have besides my college loans. So I am overall happy. I called their applications dept because I thought there was a problem. They were very helpful and nice on the phone. BTW- They pulled my Equifax -rhin0

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Author: consumercity
Joined: 10 Nov 2004
Posts: 62
Location: Cincinnati, OH
Posted: Wed Nov 24, 2004 6:28 pm

Congratulations Rhin0 Hopefully you'll be able to get a limit increase before too long.

Consumer City.org

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Author: NightStar
Forum Moderator
Joined: 07 Nov 2003
Posts: 2358
Location: Illinois
Posted: Wed Nov 24, 2004 8:28 pm


When I had Citi, they gave me an automated increase just within 6 months.. so you should have room for improvement with them.

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Author: Rhin0
Joined: 23 Nov 2004
Posts: 17
Posted: Thu Nov 25, 2004 1:12 am

Thanks guys. I don't plan on carry and big balances and I really wouldn't even need anything over $1,000 really. I just wanted like 5k limit so I could make this one big purchase. I'll just have to put half on it, pay it then put the other half on. I won't ask them for an increase but if they offer it i'll take it probably just to have more credit line.

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Author: frost
Joined: 15 Oct 2004
Posts: 21
Location: Florida
Posted: Thu Nov 25, 2004 1:20 am

Congratulations Rhin0. did you get an instant answer online for your application, as they advertise?

my skin is my uniform.

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Author: Board Monitor
BOARD MONITOR-ADMINISTRATOR
Joined: 05 May 2003
Posts: 487
Posted: Thu Nov 25, 2004 10:43 am

Congrats Rhin0! Let us know how your like the card...

Best Regards,
Curtis Arnold
Board Monitor
U.S. Citizens for Fair Credit Card Terms, Inc.
http://www.cardratings.com
501-663-0314 PH 501-301-8474 FX

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Author: Curious
Joined: 14 Nov 2004
Posts: 6
Posted: Thu Nov 25, 2004 2:25 pm

Rhino You need to post your results under the sticky: Credit Card Applications.

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Author: Rhin0
Joined: 23 Nov 2004
Posts: 17
Posted: Sat Nov 27, 2004 3:35 am

frost wrote:
Congratulations Rhin0. did you get an instant answer online for your application, as they advertise?

Yes, I filled out the stuff and it was immediate approval. Very nice.

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Author: frost
Joined: 15 Oct 2004
Posts: 21
Location: Florida
Posted: Mon Nov 29, 2004 10:24 pm

ok, i applied too for Citi dividend and i was approved now i'm officially on probation for at least one year

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Author: guessindigo
Joined: 19 Sep 2004
Posts: 51
Posted: Mon Nov 29, 2004 11:47 pm

Congratulations on the card. I personally think you'd be better off with AMEX Blue Cash, but Dividend is an OK card.

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Author: frost
Joined: 15 Oct 2004
Posts: 21
Location: Florida
Posted: Tue Nov 30, 2004 1:39 am

thank you guessindigo. i wanted to apply for AMEX Blue Cash, but i'm not sure if they approve my application or not, because i have a short credit history. i moved to the states in december 2002 and got my first credit card on march 2003, that's not even two years credit. i think i'm doing good establishing a credit history but i guess still not enough to apply for AMEX? i received several offers for green, green with reward and gold cards. but never for Cash Blue. maybe oneday!

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Author: Rhin0
Joined: 23 Nov 2004
Posts: 17
Posted: Tue Nov 30, 2004 2:11 pm

guessindigo wrote:
Congratulations on the card. I personally think you'd be better off with AMEX Blue Cash, but Dividend is an OK card.

Why? I didn't see any real benefit especially since I don't have a whole lot to spend on a credit card. If I spend a lot i'd get the Amex. Maybe in the future. Still like to hear your reason though.

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Author: guessindigo
Joined: 19 Sep 2004
Posts: 51
Posted: Tue Nov 30, 2004 8:21 pm

Rhin0 wrote:
..........since I don't have a whole lot to spend on a credit card. There you have it. With Citi the cap is $300 and with AMEX it is 50K. Often times AMEX BLUE CASH runs programs where you earn double cash back when you dine out or shop during a specific promo period. Also, the credit lines tend to be larger with AMEX and the Customer Service is better than that of Citi.

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