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Citi® Platinum Select® Card

Offered by: CitiBank

80 comments | Comment on this offer

Details

Purchase Intro Rate	0%
Purchase Intro Period	Up to 15 Months
Balance Transfer Intro Rate	0%
Balance Transfer Intro Period	Up to 12 Months
Regular APR	As Low As P+8.74%(V)
Balance Transfer Rate	As Low As P+8.74%(V)
Cash Advance Rate	25.24%
Annual Fee	None
Late Fee	$15.00*
Cash Advance Fee	3.00%, Min: $5**
Balance Transfer Fee	3.00%, Min: $5**

Citi® Platinum Select® Card features:

0% APR* on balance transfers and purchases for up to 15 months
No annual fee
Citi® Identity Theft Solutions
$0 Liability on unauthorized purchases
Secure, free online account management
Extra Cash from Citi: enjoy significant discounts on gift cards, travel, merchandise and more.

Additional Details: Click here for Additional Details (Will launch in a new browser window)

See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Take Offer Now" button, you can review the credit card terms and conditions on Provider's website.

Comments

(80 Total Comments)

approved with a ck score of 709. CC limit of 4K, 12months 0% APR on purchases and balance transfers, 11.99% APR after the 12 month period."

ChrisUCF99 at 7:23 am Mar 7

Chris... how much balance were carrying on credit cards and how long do you have the credit cards..."

shrikantredd at 12:29 pm Mar 8

I have visited a local Credit union to check the interest rates. The bank representative has pulled the credit score without my consent. She said that it will not affect score and would not appear on credit report. But CREDIT KARMA has showed as a hard credit inquiry yesterday. It doesn't appear today. I have already requested the credit union people to remove it from the credit report. Any help on this please?"

shrikantredd at 12:27 pm Mar 4

If it is not there today, it could have been corrected. For now, just keep an eye on your hard inquiries. If it reappears, you can ask the bank or the credit bureau to fix it.

CK Moderator

I don’t think that credit inquires can be removed. From my experience in the banking industry we would never remove them."

byrd6208 at 6:21 pm Mar 6

yeah he's right, your probably gonna be fighting it forever and by the time you win it will fall off. so you just wasted your time."

tsquad131 at 7:19 am Mar 8

Not sure why it got dropped a day after showing it up...Could it be since I haven't applied for a Credit card ?"

shrikantredd at 12:31 pm Mar 8

stay clear of this card after one year they start a annual fee if you do not charge 2400.00 per year. then you cancel, an ding your credit score after a hard hit to recive the card. citi sucks."

goldwingchop at 8:28 am Mar 4

rejected once again.

Transunion 728, Experian 722, Equifax 702

7 months credit history, $1000 limit with bofa, was rejected 2 months earlier. The most shocking thing happened to me was I applied through banking representative. She said your card is preapproved with $5000 credit limit. When I checked with customer care a day after, he said the card is rejected. :(("

amitpanchabh at 8:50 pm Mar 3

Although you have a great score, 7 months is still considered "thin" by many lenders. I would recommend waiting until the 12 month mark before applying for new products.

CK Moderator

Some of my frens got the card with only 2-4months credit history,score less than mine,got $3500 credit limit.

amitpanchabh at 2:45 pm Mar 4

approved with a ck score of 719, equi-712, exp-699. With a limit of 4k, 12months 0% purchase and 0% balance transfer. They approved me fairly quick too."

trillian1113 at 12:17 pm Mar 2

AVOID Citibank, customer service is awful and their credit cards are even worse."

mmobed at 4:46 pm Mar 1

My wife has a Citi card and never was late or missed a payment. they reduced her limit to just above her balance. She called and they gave the reasons which she denied and they checked and she was right. No problems they cited were true. We're still waiting for the rescission of the reduction. Of course the reduction hurts her credit rating and then other cards do the same. she had a $30,000 limit with BofA and they offered 0% balance transfers. She bit and transferred $16,000. That was 30 days ago. Yesterday they reduced her limit to $16,500. That destroys her % and will result in all sorts of problems credit score wise. Now that will reverberate to the others. She called and the guy said; "It's in your contract. We can do whatever we want". The supervisor basically said the same thing."

mongo164 at 4:47 am Feb 25

I have CK score of 745, Average of Credit Lines 1year 4 months. I also have a Platinum Select card with Citi for last 2 years with 11K credit line. I am carrying a balance of 6K..should I apply or no?"

shrikantredd at 12:19 pm Feb 19

Got approved, FICO score 742, CK 714. $6,900 12 yr 0% interest for balance transfers. Will defiantly help with interest!!"

mommydeno at 9:18 am Feb 13

I got approved with CK 660 with limit of 1,200. I guess it's ok to do balance transfer for a bit."

long0513 at 11:29 am Feb 9

Comment On This Offer

Credit Score Approval Data

Ideal for those with Good Credit:

739

AVERAGE Credit Score Approved for this Card

654

LOWEST Credit Score Approved for this Card

† Credit Karma members have received approvals with these credit scores. Please note that because other factors such as income and employment status can affect credit card approval, these are only guidelines and approval is not guaranteed.