let's talk about the citibank blacklist...

[hegemony]

 

other than amex, fia/BOA, and discover, citi is fairly well known for blacklisting.

 

the one exception was the now defunct home depot mastercard.

 

of course no blacklist is universal and some people might sneak by.

 

I've never gotten pre-screened offers from citi. I assume it suppresses its BL from such mailings.

 

but with approvals from fia and amex I am now curious about the citi BL.

 

therefore, let's talk about the prospects for people like me who assume they are BLed with citi.

 

now one major problem is there is no citi card that offers interesting rewards or cobranding.

Edited July 16, 2010 by hegemony

[higher180]

Hege, I'm wondering if I may be on a HSBC BL. but to answer your question, I am pretty impressed with the Citi forward card's rewards structure, but I think that's the only citi card that is rather impressive.

[BobWang]

The Citi Forward is my primary restaurant card.

 

Plus 5 points / dollar at Amazon.com

[hegemony]

but are these point really that fungible?

[BobWang]

but are these point really that fungible?

I've used them to pay for hotel rooms for visiting family.

 

Not as fungy as cash, but squishy enough.

[hegemony]

but are these point really that fungible?

I've used them to pay for hotel rooms for visiting family.

 

Not as fungy as cash, but squishy enough.

highest limit in CP is $7300. that does not look very pretty.

[Reanimated]

I was thinking about apping for the citi diamond preferred card just to get the 50 bucks, but I don't want to dirty up my newly inq free EQ report.

[BobWang]

Oh, and plane tickets on Expedia, I think.

 

I just give them my password, and let them use the points.

[BobWang]

but are these point really that fungible?

I've used them to pay for hotel rooms for visiting family.

 

Not as fungy as cash, but squishy enough.

highest limit in CP is $7300. that does not look very pretty.

How much Kobe do you intend on eating?

[BobWang]

I was thinking about apping for the citi diamond preferred card just to get the 50 bucks, but I don't want to dirty up my newly inq free EQ report.

The idea of getting clean is to dirty it up again.

[jforsyth]

but are these point really that fungible?

 

- 3.571% cash back (in form of prepaid visa card) on dining, music, books and movies

- 3.125% traditional cash back on dining, music, books, and movies

- 0.714% cash back (in form of prepaid visa card) on other purchases

- 0.625% traditional cash back on other purchases

 

- 6,000 pts for spending $250 total in first 3 months

- 2,500 pts for signing up for paperless statements in first 3 months

- 100 pts for every billing cycle you pay on time and stay under your limit

- 14,000 pts = $100 visa prepaid card, $16,000 pts = $100 cash

 

 

 

Reward structure is excellent for restaurants (includes fast food), music, books (includes ALL amazon.com order), and movies.

 

The rewards for everything else aren't great, but they aren't terrible either, considering the card is geared towards a younger audience and many mid-tier cards have 0.5% rewards.

 

It's a great card. Definitely a hidden gem if you're a guy that pays for two at a restaurant at least once a week.

[hegemony]

but are these point really that fungible?

 

- 3.571% cash back (in form of prepaid visa card) on dining, music, books and movies

- 3.125% traditional cash back on dining, music, books, and movies

- 0.714% cash back (in form of prepaid visa card) on other purchases

- 0.625% traditional cash back on other purchases

 

- 6,000 pts for spending $250 total in first 3 months

- 2,500 pts for signing up for paperless statements in first 3 months

- 100 pts for every billing cycle you pay on time and stay under your limit

- 14,000 pts = $100 visa prepaid card, $16,000 pts = $100 cash

 

 

 

Reward structure is excellent for restaurants (includes fast food), music, books (includes ALL amazon.com order), and movies.

 

The rewards for everything else aren't great, but they aren't terrible either, considering the card is geared towards a younger audience and many mid-tier cards have 0.5% rewards.

 

It's a great card. Definitely a hidden gem if you're a guy that pays for two at a restaurant at least once a week.

 

 

any caps?

[BobWang]

restaurant at least once a week.

day?

[jforsyth]

any caps?

 

 

Yes.

 

You earn a max of 75,000 points per year at the 5 points per dollar rate.

 

So $15,000 a year.

 

That's a pretty large amount to be spending on restaurants. I doubt most people would even come close to that.

[BobWang]

I doubt most people would even come close to that.

most.

[hegemony]

I was thinking about apping for the citi diamond preferred card just to get the 50 bucks, but I don't want to dirty up my newly inq free EQ report.

EQ?

 

CP shows a lot of EX

[hegemony]

Bob, what is your forward limit? is the limit the result of any combos?

[BobWang]

Bob, what is your forward limit? is the limit the result of any combos?

$12k, but it was a conversion from a Diamond Preferred.

[BobWang]

Now that I think about it, maybe the smart play is to apply for the Diamond Preferred, THEN convert it to the Forward.

[higher180]

12K is the highest I've seen anyone on CB have for that card.

[hegemony]

12K is the highest I've seen anyone on CB have for that card.

I think I'll pass for now. ??

[jforsyth]

12K is the highest I've seen anyone on CB have for that card.

I think I'll pass for now. ??

 

12k per month on restaurants and entertainment?

 

Seems like overkill to me...

 

I definitely wouldn't app for Forward to use it as an everyday purchaser. Bonus categories or bust.

Edited July 16, 2010 by jforsyth

[hegemony]

12K is the highest I've seen anyone on CB have for that card.

I think I'll pass for now. ??

 

12k per month on restaurants and entertainment?

 

Seems like overkill to me...

 

not so concerned about spending cycles, but more concerns about depressing my mean limit in a manner that might affect future prospects.

[BobWang]

12k per month on restaurants and entertainment?

Wait till you pay for a wedding.

[camcam]

"I've never gotten pre-screened offers from citi. I assume it suppresses its BL from such mailings."

 

I receive weekly mailings from Citi. I've applied for 3 different pre-selected offers over the last couple years and each time denied due to "previous account experience"....ie; BK7 blacklist.

 

Good FICO's, DTI and income.....but nothing changes the "previous account experience".