I lost my pre-approved application from Citibank. How can I apply and be sure that I am pre-approved?
Answered on Thursday, December 16th, 2010 by
James Williams

Don’t worry if you lost your pre-approved application. These pre-approvals are no more than advertising gimmicks to attract more customers. Don’t be misled thinking the credit card company picked you personally for a pre-approved credit card and invited you to apply for it with guaranteed approval, thousands of people receive such mailings. And if you receive a pre-approved credit card offer it doesn’t necessarily mean you will get a credit card if you file a pre approved application. “Pre-approved” does not mean “approved”. Pre-approved means that the credit card company has done a preliminary screening of your credit history and found that you meet certain parameters and might qualify for a pre approved credit card.
It is even dangerous to apply for every pre approved credit card offer that comes in your mail. By just signing the form and mailing it back you authorize the credit card company to officially request your credit score, alerting the credit bureaus you are asking for a credit line. And too many requests speak of your financial problems and affect your credit score negatively.
Pre approved offers can promise you a great deal which can appear to be far from reality, the credit card you are approved for could have different terms and conditions.
There are lots of card offers to choose from on the credit card market, look around and do not allow to hard-sell you. Pay close attention to online card applications which are faster. At our website you can find great selections of cards from reliable card issuers and Citibank credit cards are among them.

Other Popular Credit Card Banks FAQs

Here are FICO scores for each credit rating: – Excellent: 750-850 – Good: 700-749 – Fair: 640-699 – Bad: 350-639 The scoring model of different credit bureaus may slightly differ because each credit bureaus uses its own formula but the average numbers are as shown above.

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The credit card companies and banks do not have an obligation to send a copy of credit report to consumers. You can call the company and ask them to send you a copy of your credit report. The company may send you the copy or may not, depends on their policy and practice. You can […]

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