*Free Money* Citi Dividend Platinum Select & Citibank Diamond Preferred $200 Cash Back when spend $500 No Anual Fee

I have been playing the credit card games for 2-3 years and often have 1-2 in-progress. I can tell you that doing it has dropped my score from about 805 to about 785. Still rock-solid, but to suggest it doesn't lower your score is naive. I am 50 years old, large income, small mortgage, no car payment, never missed a payment in my life, and carry zero balances. The reasons cited for demerits are always related to this activity. Lastly, I have never kept a card account open once I have secured the promotion. I have one CC that I stick with for general purpose (US Bancorp FlexPerks); all the others are just temporary for the promotions.

Any time you apply for credit you bring your credit score down. Yes it helps your score if you pay on time over an extended period of time but just opening it up and getting the $200 and closing it right away is not doing your credit score any favors.

Did those who applied for the Dividend World Mastercard actually get a Mastercard? I saw somewhere Citi was discontinuing the Mastercard and sending people Visa instead.

I applied a week ago for both the Dividend World Mastercard and the Dividend Platinum Select Visa, but have only heard back about approval for one.

For the rest of you that applied for both, did you hear back at the same time for both?