I lost my pre-approved application from Citibank. How can I apply and be sure that I am pre-approved?

Answered on December 16, 2010
Updated on December 16, 2010
The content is accurate at the time of publication and is subject to change.
James Williams 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.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.

User Comments about This Question


As a rule, banks are able to approve within two weeks. Sometimes the process can take up to a month, but only if a bank needs to verify some information. In some cases (usually for applicants with good credit), banks are able to provide approval within a couple of business days. When approved, your card should arrive in the mail within a week or two. Some banks offer expedited delivery, but usually it is not a free service. Note, that you can always contact the bank you applied with to find out the status of your application. Some banks even allow to do this online on their websites.
Chase Ultimate Rewards is good for frequent travelers. Ultimate Rewards points can be redeemed for cash back, statement credits, Amazon.com purchases, travel, or you can transfer your points to a participating loyalty program. Ultimate Rewards credit cards allow to earn only 1 point per dollar spend on non-travel and dining purchases. If you are not going to spend a lot in these categories, you may choose other travel credit cards.
You are right in your doubts. According to the conditions of bonus offer, you can't qualify for the bonus offer if you already have any Sapphire credit card, and you won't get the bonus offer if you had any Sapphire credit card and received the bonus within the last 24 months. Thus, since you canceled your card a year ago, you won't qualify for the bonus offer. As an alternative you can apply for another credit card with good rewards bonus. If you need credit card for travel, take a look at travel rewards credit card. If you need card to earn maximum rewards on everyday purchases, then look...

Have A Credit Card Question? Ask Our Experts

Help us personalize your results
Your Credit History:
Do you have checking account?
How long have you had a loan or credit card?
Have you ever been declared bankrupt or defaulted on a loan?
Have you been late on any credit card or loan in the last year?
* - marked fields are required to be filled
By submitting your question, you agree to the following:*
Here at BestCreditOffers.com we will answer all questions to the best of our knowledge and understanding, but we are not legally accredited professionals. We assume no liability for actions resulting from our advice and cannot guarantee the accuracy of information in all cases. Please seek appropriate professional or legal advice when needed.


There is a credit card for any credit and for any purpose. Whether you want to start building your credit from scratch or earn rewards on purchases, save on gas or travel for free, you can find a good credit card offer for that.