Citi® Dividend Platinum Select® Card for College StudentsBalance Transfer Offer: 0% for 6 months
- 0% APR* for 6 months on purchases, cash advances and balance transfers
- Earn 5% cash back on purchases at supermarkets, gas stations, convenience stores, and utilities including cable for 6 months and 2% thereafter
- No minimum income or cosigner required
- No annual fee
- FREE Online Account Management
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Citi® Dividend Platinum Select® Card for College Students Details
| APR | 12.99% |
| Annual Fee | $0 |
| Intro APR | 0.00% for 6 months on Balance Transfers and Purchases |
| Rewards | Cash Back |
| Credit Needed | Fair Credit |
| Approval Rate | Excellent |
User ReviewsTitle: Denied
Date Reviewed: 2008-10-16 21:58:53 | Recommended?: Yes
Remarks: Although I was denied this card, I will still recommend it to someone who has a better credit history than I do.
Well here is my reason. They said that my current available debit in comparison to my income was too high. OK Citibank, what in the heck are you talking about? My highest credit card (or charge account) is only $5k and only $615 is used from that one. My util is about at 60% on some cards and as low as 10% on others. I have a baddie on eq and Tu that is about to fall off next year. I came at you guys with a clean ex report and you guys still denied me. I do believe that they are using my student loans against my debt. That is the only thing that I can see because it has me in debt for $60K but the bad part about that is THEY ARE ALL IN DEFERMENT!
Here is what trips me out. OK, I was not denied for high util nor was I denied for the charge off. The card specifically said that there was "No min income requirement" & " NO co signer needed" If that was case, what did that mean toward me? Please don't tell me that they are judging me according where I shop or live! That is the only thing that I can see.
It's time for the big re-con everyone. Wish me luck because I am going for a battle with this one. I need the back door number and a glass of Bacardi, it's about time me and citi had a talk!
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