To respond to a Citi Diamond Preferred invitation to apply, go to the website listed in the offer and enter the invitation code that Citibank provided. Type in your last name and click the “Apply Now” button. You may receive an instant decision. The other option is to fill out the application included with the offer and return it by mail.
Before you apply, though, it’s worth pointing out the difference between receiving an invitation to apply for the Citi Diamond Preferred and being pre-approved or pre-selected. They sound similar but are based on different criteria and indicate different approval odds.
In short, an invitation to apply is sent to large groups of people based on demographic information such as ZIP codes. It’s not based on any credit data, so invitees aren’t as likely to be approved as people who are pre-selected or pre-approved. Those offers are based on credit data, at least to an extent, so people who receive them have already cleared certain hurdles on the path toward meeting the card’s requirements for approval.
Keep in mind that receiving a Citi Diamond Preferred invitation, whether pre-approved or not, does not guarantee approval. As a result, it’s a good idea to check your credit score and review the card’s terms and conditions first. This will allow you to make sure that you have a reasonable chance of getting approved for an account. Citi Diamond Preferred requires a credit score of 700, at a minimum. That means you need good credit or better to get approved.
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