Valued Contributor
Posts: 1,916
Registered: ‎11-11-2010
Re: Is Citi teasing me?
[ Edited ]

Because invitation itself is meaningless. The way pre-approval/invitation works is that Citi asks CRAs to produce a list of people satisfy Citi's requirement (for example never declared BK). Citi takes that list and mail these so called "invitation" to everyone without checking every CR. The list itself is generic and means very little. Citi still has to HP you to do a through credit check on you. This is how Citi operates and this is how everyone operates.


So your answer is no. Getting that invitation does not mean your are qualified for this particular card. You still have to go through application process.


What was your reason for denial on Simplicity?

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