You can check your Citi Diamond Preferred pre-approval status through Citi’s online pre-approval tool. You will have to provide your name, your address and the last 4 digits of your Social Security number. Check the box stating you’re aware that pre-approval is not a credit card application and your credit score will not be affected. Finally, select “See your credit card offer” and you’ll see any Citi cards you may qualify for, which may include Diamond Preferred. You can apply for any of these cards directly from the pre-approval page, but you are under no obligation to do so.
Pre-approvals only use a soft credit pull, so they will not affect your credit score. But if you apply for a card after tht, Citi will need your permission to pull your credit report. This will cause your credit score to drop a few points.
If you received a pre-approval offer in the mail, you can complete the enclosed application and send it back. Or, you can visit “Respond to a mail offer” tab on the pre-approval page and entire the invitation number included in the mailing. Diamond Preferred pre-approved mail offers are not valid for other Citi credit cards.
Being pre-qualified for a credit card means the issuer has done a soft pull of your credit history and concluded that you are a good fit. It also means you have an 80%+ chance of acceptance if you decide to apply for the card in question. It’s very similar to … read full answerpre-approval in those regards. The main difference is who makes the first move. If a credit card company sends you an offer, it’s probably pre-approval. But if you check yourself, on an issuer’s website or by visiting a branch, it’s pre-qualification. However, the distinction is small enough that people often use the terms interchangeably.
Some issuers let you check of pre-qualification online, while others only send offers in the mail. And if you don’t want to get offers, you can opt not to receive them at OptOutPrescreen.com But prequalification can be a big help in choosing which card to apply for, since it helps you limit applications to your most likely options.
Here’s what getting pre-qualified for a credit card means for you:
American Express, Bank of America, Capital One, Chase, Citibank, and Discover all let you check for prequalification online. You’ll need to provide your full name and Social Security number. You may also have to provide your birthday and home address. You’ll then be shown which cards (if any) you prequalify for, along with an application link.
If you get a pre-approved offer in the mail, it will come with a code that you can use to respond to the offer on the credit card company’s website. But they’ll also send you a paper application that you can fill out and mail back if you prefer.
Whether you’re pre-approved or pre-qualified, you still need to apply, and you aren’t guaranteed acceptance. But you do have a very strong chance.
Getting pre-qualified for a credit card means you can apply knowing that you probably aren’t wasting a hard inquiry on a long shot. And if you sign up for WalletHub, you’ll get personalized credit analysis with card recommendations tailored to suit your circumstances as well.
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