Help Me Build Credit has partnered with CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.
Author - Sam
Updated: March 4, 2024 | Credit Card Review The Citi Diamond Preferred Card is an Intro 0% APR card which offers free access to your Fico score so you can monitor your score for free, as often as you like.
- Credit: Good credit needed
- Max cards: Citi will only approve you for one personal card every 8 days, and only 2 Citi personal cards within 65 days
- Credit bureau: Citi will usually pull your Experian credit report, sometimes Equifax, and sometimes Experian and Equifax (depending on your state, search your state in our credit card database)
- If you freeze your Experian credit report you can sometimes request the reconsideration department to pull your Equifax credit report.
- Combining same-day credit inquiries: Credit inquiries for all Personal Citi cards will be combined; also, credit inquiries for all Business Citi cards will be combined. Credit inquiries for Personal and Business card applications will not be combined. Note, you cannot get approved for more than one Citi personal card within 8 days (Combining credit inquiries will only make a difference when declined for your first try and you want to try a new one)
- Application status: You can check your application status here or call 1 888 201 4523
- Reconsideration: If declined you can call 1 800 695 5171 to be reconsidered
Quickest way to get my card: Citi will offer instant credit card numbers only on some cards (Custom Cash, Costco cards applied for in-store, AA, AT&T). Citi physical credit cards cannot be expedited and will arrive after 7-10 business days
Approval Monitor (submitted by HelpMeBuildCredit users)
Credit limit range $500-$18,500
Avg. Credit limit$7,960
Disclosure: These results are based on information submitted by HelpMeBuildCredit users. Credit card approval results are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. Neither HelpMeBuildCredit nor the bank advertiser's take any responsibility on the accuracy of the information.
HelpMeBuildCredit credit ranges are a variation of FICO®️ Score 8, one of many types of credit scores lenders may use when considering your credit card application
- Balance Transfer Fee: 5% or $5, whichever is greater
- You cannot transfer balances from other credit cards issued by Citi Bank
- To receive the intro APR offer, transfers must be completed within the first 4 months after account opening
- Beware: If you make a late payment or a payment is returned then a penalty APR may apply and you may lose the Intro APR Offer
Get two additional years to your original manufacturer’s warranty time. (Will only cover if the original warranty is for 5 years or less). Max $10,000 per item.
Get refunded if your purchase is damaged or stolen, up to 90 days from the date of purchase. Max $1,000 per claim, $50,000 per year.
