How do I check my Citi Diamond Preferred application status?

The credit limit on a Citi Diamond Preferred card starts at $500 or more; everyone who gets approved for this card is guaranteed this limit. But some cardholders report starting credit limits of over $10,000. Once you’re approved for this card, Citibank will determine your specific credit limit based on factors such as your credit history, annual income, and any debt you owe.… read full answer

You need at least good credit to get approved for the Citi Diamond Preferred card. For your best chances at a high limit, you’ll want good-to-excellent credit and plenty of disposable income. Even if you don’t receive the limit you want, you can always request a credit limit increase later on. You’ll want to wait at least six months from opening your account before requesting an increase, though.

You need a credit score of 700 or higher to get a Citi Diamond Preferred card; this means that you should have at least good credit for high odds of approval. Some people claim to have been approved for this card with credit scores as low as 685, but that is riskier, especially if you don’t have a high income compared to your major monthly expenses. Generally speaking, the higher your credit score is, the better your chances will be of getting approved for the Citi Diamond Preferred card.… read full answer

What you need to get a Citi Diamond Preferred: More info

Just remember that a 700+ credit score does not guarantee approval. Your score is important, but you will also need to provide proof of a steady income in order to qualify. Additional factors taken into account include your employment status and existing debts. Citi will also look at your housing payments and the number of open credit card accounts you have.

What you can get with a lower credit score:

If your current credit score doesn’t meet Citi Diamond Preferred’s requirements, consider spending a little more time rebuilding your credit before you apply. Or, you could apply for a credit card that’s easier to get.

The Citi® Diamond Preferred® Card offers decent chances of approval and accepts people with limited credit. If you use the card responsibly, over time your credit score should rise to the point where you can apply for Citi Diamond Preferred and have higher odds of approval. Or, if your score is in the fair credit range, you could consider a card from another issuer, such as the Capital One Platinum Credit Card.