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


It is hard to say which one of the credit bureaus is used most by the banks and credit card issuers to view credit scores. Every bank has its own preferences and one bank may pull different reports in different states. Some banks pull credit reports from all credit bureaus. Therefore, we recommend you to choose a credit card or a bank to apply with – you can use our card finder tool for it - and then find out which credit reports are usually pulled by this bank in your state.
The credit card companies and banks do not have an obligation to send a copy of a credit report to consumers. You can call the company and ask them to send you a copy of your credit report. The company may or may not send you a copy, depending on their policy and practice. You can get a free copy of your credit report once a year from each of the three major credit bureaus - TransUnion, Experian and Equifax. Just contact any of the bureaus to get your credit report.
A FICO score is a type of credit score that is used to assess credit risk and determine whether to extend credit. FICO scores take into account various factors in five areas to determine credit worthiness: payment history, current level of indebtedness, types of credit used, length of credit history and new credit accounts. 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...

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