Don't bother. I just hurt my credit for a poc card that declined me, despite great credit.

i just applied for this card and it told me i was approved i tried to balance transfer but was told it could not go through because of a connection issue so i exited and tried to do it again with no luck on how to get back into my account i have been calling each customer service number with no help and or direction on what to do i tried to reapply for the card and was not approved at this point im not sure what exactly to do and i hope my score is not affected

Make an offer, met all criteria, offered 500 dollar credit WITH a hard credit pull. It was offensive.

This card killed my credit score. (I have 2 of them) I've had the first card for a few years and enjoyed a high credit line (>$22K). They experienced a system issue and applied my payment late by 2 days, then used that as justification to kill my credit line (From $22K to $11K) and jack up the interest to their penalty rate of 29.99%. Phone calls were pointless as they readily acknowledged a system fault but insisted that nothing could be done. This put my credit utilization from 48% to 98% which torpedoed my credit score. The higher Int rate meant my $500+ p/mo payments were closer to minimum payments now. Credit line Halved. Utilization Doubled. Int. Rate almost tripled. Paid it off and put it up. The other one as well. Not letting a credit card company kill me like that. Customer service was a joke.

If CK is saying that your odds are very good, don’t do it. Just another ding to your score.

Great transfer card but I think I was approved for 6000 and I transferred I believe 5400 and then they cut my available balance down and that made my points go down on my credit karma and then they did again about four months later they lower my credit and it got reported to credit karma and made my credit score go down again. So I have been paying on them I got my card a lock. They hurt my credit sore.

Excellent Transfer offer, so far, I have no complaints. I would recommend this card.

Outstanding approval odds according to CK, credit above 750 less than 23% credit usage, denied by this citibank third rate bank with customer service in the Philippines, horrible policies a citibank, dont waste your time or CREDIT score applying!!

If your score is at 700 they will give you the max apr at 23.74 and a very low balance and they do a hard check on your credit.

I applied for this card, instantly was approved, but shocked to to learn I was only provided a $3000 credit line. I have excellent credit with over 29 years of credit, various types of credit, and very low debt to income.